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.
That is right. I also just use Platinum PSU now.
Corsair HX1000i (platinum) or RM1000i (gold). Good, strong PSUs that you can run up to full rated power and can run program to see power usage and efficiency.