This is something I've been thinking about recently and I have yet to find it covered anywhere.
I know that having a power supply that isn't over-rated for your purposes will generally increase efficiency (very slightly), but what effect would an over-rated PSU have on heat output, "stress" on the PSU and overall longevity vs one that is lower wattage on the same system?
For example, I've been picking up "used" (brand new pulls, never been turned on) Seasonic power supplies on eBay for several years now. I don't know what systems they are being harvested from, but they're an unmatched value for most systems. I get 350W 80plus (white or bronze) units for $10-$15. All they have are scratches from being installed and removed from a case. No dust... still smell like new electronics. I recently snatched up a 10 pack of 550W Seasonic 550HT units (80plus white) for $135 shipped. It was an absolute steal! They're the black models with sleeved cabling, and they too are totally unused aside from installation scuffs.
Given the two options of power supplies I have now, I'm trying to figure out if upgrading the super cheap 350W units to 550W units would make them run cooler, run quieter or last longer. I have found myself slowly building up the gaming chops of my other systems, so their 350W PSUs (Seasonic 350ET mostly) could be a limitation if a more powerful graphics card is added at some point... but if it doesn't ever come to that, is there any reason NOT to swap out a 350W for a 550W of similar design and efficiency? The 350W units will be easier to install as replacements in other systems for family members and friends (far less cabling), so I'm inclined to get as many of my "keeper" systems running these 550W supplies as possible, I just wondered if anyone else has come across this before.
tl:dr: If you have a 550 and a 350 watt power supply, both of similar design and efficiency, will the 550 be under less stress and run cooler, and possibly last longer under the same moderate to low load? Most of these systems idle in the 50-75W range and maybe peak in the 200W range.