You can also buy external PCIe switches (just make sure you're not accidentally buying a PCIe bifurcation device). Most of the time it's cheaper to just buy the higher end motherboard though, e.g. I don't want to know what price "Request a quote" for this PCIe switch which can do x8 4.0 upstream and then quad 4x 3.0 downstream https://www.amfeltec.com/pci-express-gen-4-carrier-board-for... is. I do have a few 3.0 era cards which were more reasonably priced though https://www.aliexpress.us/item/3256801702762036.html?gateway... and they've worked well for me.
I haven't seen such features on boards under 200 EUR, from Asus, Asrock and Gigabyte.
The thing is, if I have to splurge for some 400 EUR "gaming" model, I might as well move to a "workstation" CPU supporting more lanes out of the box, and the mobo will be priced roughly the same.
Many mobos will operate the available slots such that the total number of active lanes is split between them. But if you use older-generation cards, you'll only get a fraction of the available bandwidth because you're only using a fraction of their lanes, although the physical lanes are physically present.
What I'm thinking about is something like, say, a pair of Gen3 NVMe drives that are good enough for mass storage (running in RAID-1 for good measure) and some cheap used 10 Gb NIC, which will probably be 8x Gen2, all running on a Gen4+ capable mobo.
And, while for a general-purpose setup I can live with splitting available BW between the NIC and the GPU (I most likely don't care about my download going super fast while I game), the downloads will generally go to the storage, so they must be fast at the same time.