The B650M is a smaller size and therefore has less features, but overall they seem similar. Biggest difference would be the integrated SSD heatsink and better VRM design + cooling of the non-M version. Also the second SSD slot being connected to the CPU instead of the chipset, if you ever want to put in two M.2 drives. One thing to watch out for is that both of these boards use a Realtek LAN chip which sometimes can be problematic with Linux.
Depends on the car, some of them are smarter about it. I remember my dad’s old pickup would downshift if it picked up speed while not touching the throttle, like when going downhill