Just buy a Gold EVGA PSU, warranty 5 years or more.  Run it 90% its less efficient though - you are losing maybe 5% efficiency - but it won't explode.  I have a PSU with 10 year warranty, another 7 years, most are 5...So if they pop well, that sucks because of downtime, but I get a replacement.  Only buy high quality PSU.  check johny guru.  even evga has PSU's I wouldnt buy.