I've never had the problem either - I started using the RPi4 seriously when it became possible to boot from USB, and it's great. USB boot is working properly in the newest Ubuntu Server and Ubuntu MATE Desktop images as well as the official Raspberry Pi OS.
The Samsung T5 and T7 are frighteningly fast USB-attached portable SSDs - some simple tests of mine had them at around 335MB/s. On paper the T7 should be twice as fast, so it's interesting that they tested so close (the T5 was even a little faster, as high as 350MB/s), but they are both totally good enough.
