Depends on if you use any security features that require a TPM. If not, the older chips are fine, or some motherboards allow a separate TPM chip to be added.

For example, my employer requires TPM 2.0 for both Windows and Linux systems, since they store most encryption keys and certificates on it - including WPA2-Enterprise key for wifi, 802.1x key for wired Ethernet, SSH keys (in some cases), LUKS key for full-disk encryption on Linux, Bitlocker key on Windows, etc.

For home use, if you don't use any of those features (or require strong encryption for them), the main thing you'll miss out on is support for Windows 11, which is fine if you're using Linux.