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What about a worse power bill?
The PSU doesn’t use more power just because it has a higher maximum capacity. Plus, a PSU is most efficient at partial loads (usually around 60-70%)
TIL
A PSU with an efficiency rating, like 80 Plus, will be more efficient than that PSU, even near 100% load (which it wouldn’t be usually).
Sure, but that difference is less than the variability based on load. The difference in efficiency between a Gold and Platinum PSU is like 4%, but load can vary that efficiency by 10 or 15%
To my knowledge, PSUs are rated up to a declared power output but unless you have hardware that requires all of its power, the PSU doesn’t put out the full charge.