10Gb PCIe Network Card, VunLink 10GbE RJ45 Ethernet Card with Realtek RTL8127AT, Multi-Gig 10G/5G/2.5G/1G NIC Adapter for PC, NAS & Server, PCIe 4.0 x1, Windows 10/11/Linux

Something like this only needs PCI-E gen4 x1, exactly what your motherboard has. USB4 10GbE cards are expensive and tend to overheat when doing max transfer over a long period. The one with beefier radiators are even more expensive. RTL8127 has very low power consumption, around 2W, so a small radiator on the card with active airflow in the case is enough for even prolonged full speed, 10Gbit transfers.