Based on the symptoms you describe it sounds like your OS has USB 2.0 drivers but not USB 3.0 drivers.
I found a good summary of the choices for a similar 'XHCI Mode' BIOS setting in a post by tonymac user a6f691ac:
XHCI Mode = Disabled
- The on-board USB 3.0 port function like a 2.0
port
XHCI Mode = Enabled - The on-board USB 3.0 port function like a 3.0 port
XHCI Mode = Auto - The on-board USB 3.0 port function like a 2.0 port
before OS USB 3.0 driver load. If you reboot the OS, the on-board USB
3.0 port again function like a 2.0 port during this reboot BIOS phase before OS USB 3.0 driver load.
XHCI Mode = Smart Auto - The on-board USB 3.0 port function like a 2.0
port before OS USB 3.0 driver load. If you reboot the OS, during this
reboot BIOS phase, BIOS is "Smart" enough to avoid downgrade the USB
3.0 port back to 2.0 functionality before OS USB 3.0 driver load. So Smart Auto is faster than Auto on 2nd boot onward, but Enabled is
fastest once you are sure the OS has the USB 3.0 driver installed,
because it avoid the switching. Making the on-board USB 3.0 port
function like a 2.0 port is mainly to support OS installation or to
support OS that does not have build-in USB 3.0 driver, so that the USB
keyboard would still work if the user plug-in a USB keyboard or any
other USB devices into the USB 3.0 ports before the OS is installed
with the USB 3.0 driver come with the motherboard.