I just wanted to clarify, to my knowledge, the only desktop Ryzen CPU with a locked multiplier is the 5800X3D. I believe this was done for stability reasons, as the architecture wasn't necessarily designed with 3D cache in mind like the 7000 series. The X on an AMD CPU is in a lot of ways not equivalent to the K on the Intel CPU, but I think the resemblance is intentional. A lot of people will buy AMD X CPUs just based on the imposed restrictions that Intel has placed on non K CPUs. In general, out of the box an X CPU will be less than 5% faster than a non-X.
The only actual differences in AMD X CPUs is a higher boost clock out of the box, higher TDP (relating to the boost clock, how much power it can draw to get there) and in theory better binning. The enthusiast knows that with PBO (which works just fine on non-X SKUs) the TDP limits can be changed, that the x570 chipset (not sure about the b550) can "overclock" or increase the maximum single core boost clock. And of course traditional all core OC is still functioning however the trade off is generally decreased single core or lightly threaded clocks.
The R 3/5/7/9 or I 3/5/7/9 has never directly corresponded to the numbers in the model number of every CPU under that umbrella. It is just a way for the less interested to get a ballpark idea without breaking down every detail. But it's just a four digit code: xxxx, the first digit is the generation, the last three is the numbers of cores: 500, 600 = 6 cores, 700 or 800 = 8 cores, 900 = 12 cores, 950 = 16 cores (100 and 300 for 4 cores when they were made). I think this is pretty similar to Intel. The short version is that the first digit is the generation and the higher the rest are the faster it is.