Eric,
Yes, that is a problem if you're buying straight off the shelf as you have to take what is on offer. Until about 7 or 8 years ago I always used to build my own. In the UK that was no problem as there are plenty of good component shops. When I moved to Crete I had a Greek Canadian friend who owned a component & repair shop about half an hour's drive away. So if I happened to buy a faulty motherboard - it does occasionally happen - I knew that I could always get it exchanged on the spot. When my friend returned to Canada, and with a limited range of new computers here, I decided to have them built to my spec without an operating system by a firm between Bradford & Leeds and to be delivered to a UK address. They would then be brought back free of charge by a friend here who regularly travels overland to the UK. All I had to do then was to install my existing copy of Windows, transfer data from my old machine and away I went.
I have a spare motherboard for this machine, still in its packaging, and the only thing I might do is upgrade the CPU at some point - the board will happily take a much faster processor. So, fingers crossed, I don't envisage any problems that I can't fix over the next 3 or 4 years. I've been using Firefox for quite a few years and have also tried & been quite happy with Opera and Vivaldi. After that, who knows!
Maurice