I guess I’ve been using laptops for so long, the concept of not having a USB hub seems alien to me. But they are really cheap and you just need to plug them in (so much easier than installing a PCIe card).

Also some peripharals come with addition USB ports. My monitors provide 3 USB-A ports each when connected over USB-C. They are only USB 2.0 ports but that’s perfect for plugging in the mouse and keyboard.