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The importance of cooling and a high quality PSU is so exaggerated it's not even funny. Really effective marketing from PSU and fan makers augmented by over-clocker geeks on hardware forums who love to promote fancy high-end stuff.

Stock cooling is always enough if you don't overclock more than 5-10%.

PSUs only need to provide the Watts that the system uses under maximum stress plus a little safety margin. Everything above that is a waste.