I don't think you understand what efficiency of a PSU means. It works in reverse. A power supply can use all of its rated power. Sometimes it can actually do more. The crappy units lie, so those can do less. Efficiency relates to how much power it draws from the electrical circuit in your house, not how much power the unit can produce to your system.
Oops, you're right.
Either way, 650W is way too tight for dual GTX570s.