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well the upside to having the headroom at 60-70% usage, is that you can add more harddrives or fans, or even custom light mods, without having to buy a new, probably $AU200+ PSU, so for me that would be a good reason to go all out with getting a psu, i only upgrade components when i need to, so knowing the PSU has the headroom to spare, is a load of my wallet ;P
Believe it or not, its actually the MCP and chipset that use the most power these days, after the video card that is, considering you have all those onboard items like Audio, USB, networking, Fan headers, etc, then you have HDD's CDR's, PCI Devices and then the CPU. so its not hard to see why Power requirements have indeed jumped. Gladly, its coming to the point where the next evolution of computing is approaching which may hopefully power requirements drop for mainboards, atleast i hope so.
As to heat, a good quality built PSU should not exceed 40c, My Toughpower 600, with its large industrial caps, and huge as hell heatsink (which is why they are so damn heavy) rarely passes 29c, even on a hot humid day. you can expect low quality systems to get hotter since the components aren't built accordingly... My old antec truepower 480 for instance would reach 37c, and upon ripping the thing apart (since warranty had expired, i salvaged the fans) i came to find a pissass tiny heatsink, and a bunch of leaking, almost exploding, capacitors.
Though again, the temperature is related to the power draw, the more power drawn, and used, the hotter the components would be. so again, even with a 700w psu, if your only using say, 400w, the temperature should still be low. And again, by buying quality components (which means anything not from codegen, TT and Antec, and probably many more) The chance of high temperatures decreases further still.
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