No, B650 is just as reliable as X670. I’d recommend Asrock for any AM5 motherboard but MSI is fine as well.
The usb dropouts I’ve noticed has mainly been related to cIOD binning. If it does occur (which is pretty unlikely) it can usually be fixed by gradually raising vSOC until the problem subsides.
This was happening when I had a Ryzen 7 5800X CPU on this motherboard as well, so I doubt it's a defective CPU, and therefore I doubt that increasing the vSOC will fix it. It happens on every USB-A port of my motherboard but not the USB-C (via a USB-C to USB-A cable adapter) and it happens on the USB ports on the front of my case. Could it be a power delivery issue to the USB-A ports of my motherboard as if I use an AC powered USB hub then my iPhone does not have issues with connections through USB, only when connected directly to my motherboards USB-A ports. I also have an issue with my PNY 32GB USB 2.0 flash drive in that it takes about 20 seconds for it to detect as a drive letter after the chime sound that happens as soon as I connect it to any USB-A port of my motherboard including the USB-A ports in the front of my case. Connecting that flash drive to the the USB-C port via the USB-C to USB-A adapter is a workaround for that one, then it will detect as a drive letter immediately after connecting it that USB-C port. This flash drive has no delay detection issues on my Intel NUC and my mom's PC and the dad's "guest" PC in my home and my iPhone has no USB connection issues on those PCs either. Even if I did purchases USB 3.0 PCI-E card, I already know which device that I own that my motherboard has USB connectivity issues with, and already found workaround for those devices, such as using the Wi-Fi photo app for my iPhone to transfer photos to my PC and avoiding using that USB flash drive on this PC. Also I have a loose connection in the USB 3.1 port of my motherboard as it has no clicky grab feel when I connect USB devices to it, resulting in a occasional disconnection on that port, until I put pressure on the cable to that USB port, then the USB device will redetect itself. Basically my motherboard in general is very fussy with certain USB devices on all USB-A ports and has a loose connection USB 3.1 port.
PS: I recently bought a $25 4-port USB 3.0 powered hub and connected it to the USB-C port of my system via a USB-C to USB-A adapter as a workaround as I know that the USB-C port in my system is the only USB port in my system that does not have issues with the devices I mentioned.