I have both a Quad, on a pi 4, and a Penta on a 4b+ and have seen that the Penta is noticeably faster in disk IO through a Raid 5. The physical drives (4 x 2TB Seagates) were the same drives, transplanted, so the IO difference was due either to the Rockpi or the PCIE controllers.
So if you really want the performance you might just want to get the Penta hat board. I suspect, but do not know, that you could use the top-hat from the Quad on the Penta (though you might need a pullup for the switch to work correctly). See: Penta SATA HAT enhanced display (oled, I/O, temp) and operation (button, fan)