Actually I more or less understand now - some of the users who OC heavily will find it hard to reset the BIOS that way. And yes on the other side, there are other users like me & you, who don't really do OC, and for us, that BIOS reset location won't be an issue. To each his own
However I see a bigger issue here.. I start to see other B550 mini ITX motherboards in where I stay, and the price is around 70-80 USD more expensive than B450 mini iTX. So a B450 mini ITX is now around 140 USD, and B550 mini ITX is around 220 USD.
If this is going to be the last time AMD uses AM4 socket, I'm not sure if I have to force myself to upgrade now or wait further for, say, AM5..