Peak efficiency is around 50%, but you're missing the point. If you look at the efficiency charts, you stay within 1% of peak 80% of the time. For instance, the Corsair RM550x does 88%+ efficiency from 75 watts all the way out to 550 watts,which means it exceeds it's Gold rating from 75 watts to 550 watts.Incorrect.. look into optimal efficiency for switching power supplies. This is a design proven fact, not a conspiracy theory. Newest generation power supplies even hold true to this, as proven in Jonnyguru tests or any other power electronics testing using AC-->DC switching power supplies. Improvements have been made to make it more around the 40% to 80% loading, but peak efficiency is still in the 50% range. It's sort of funny he makes that statement in the video while running the Jonnyguru website when his own tests contradict it.. lol.
Edit.. here's another article by Jon Gerow, where he again shows on Corsair's own website that peak efficiency is around 50%: https://www.corsair.com/it/es/blog/how-to-build-a-pc---the-power-supply
https://www.tomshardware.com/reviews/corsair-rm550x-power-supply,4484-5.html
If my rig runs wide open at 350 watts, which is about what I calculate, I'm at 90% efficiency on a gold unit. I'm pretty happy with that. that's still in it's sweet spot. How
That being said, I'd rather have that 650 watt, since it is only 10 bucks more. I may return the 550 and get the 650.However, that 550 is going to handle everything I can throw at it, including spikes (It will do a lot more than 550 watts, jsut not at Gold rating).
You can see here they ran this thing all the way to 660 watts and it kept 88% efficiency:
https://www.tomshardware.com/reviews/corsair-rm550x-power-supply,4484-4.html
The only reason I can see going with a higher rated PSU than you need is if yuo want to run full out all of the time,and you want the quiteest PSU you can get (Fan won't even come on) and you need the bestpower efficiency (large server farm or other type of wide open installation). Incidentally,this PSU's fan doesn't even come on until after 350 watts.