#Compatibility between USB 3.2 and 2.0

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twin wyvern
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I am currently working on a new PC, and am using pcpartpicker to check for compatibility. It says that I must purchase an adapter to plug the front IO USB 3.2 into the MOBO 2.0 header. I was of the understanding that these were backwards compatible, and that the front IO would just run at 2.0 speeds instead. Am I correct in assuming that, or am I completely off here?

Case:
Cooler Master Q300L V2

MOBO: GIGABYTE AORUS B550M ELITE AX

worthy pond
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it'll run at 2.0, and it should be fine