A Mac that supports DSC (Display Stream Compression), like the M1 Mac, should be able to get full USB 3.0 performance from the USB-C ports of the Apple Pro Display XDR. Other Macs that have DSC are those with AMD Navi or Intel Ice Lake GPUs. DSC is visually lossless compression so that there is plenty of bandwidth remaining for USB 5 Gbps (and even USB 10 Gbps or a Thunderbolt drive). The bandwidth required with DSC is less than half of Thunderbolt 3, so it may even work with a 20 Gbps cable instead of a 40 Gbps cable (but in this case you may get reduced USB speed). For example, a USB-C 10 Gbps cable will probably allow connection of Thunderbolt 3 devices (and the XDR) at 20 Gbps. Connecting the XDR to a Thunderbolt 2 dock may also work (only if the Thunderbolt 2 dock is connected to the Thunderbolt 3 port that is connected to the GPU that supports DSC).
A Mac that doesn't support DSC requires nearly the full bandwidth of Thunderbolt 3 to do 6K60 (there might be a couple Gbps remaining). I'm not sure if this mode causes the USB to connect as USB 2.0 (480 Mb/s) or if the USB device still connects as USB 3.0 but transmits a fraction of the 5 Gbps. I would like to see benchmarks for this mode to confirm, as well as an ioreg dump to see how the USB device is connected.