Having done some research, it looks like power costs in NYC are rather higher than elsewhere. How much, in total, does power cost you, in cents per KWh?
Next, recall that
80 PLUS only certifies PSU efficiency down to 20% of their rated power. So for your 650W, that's 130W
internal draw. Any less internal draw and you're not getting the full 87% efficiency from your gold PSU. Your internal system is drawing less than 87% of what's drawn at the wall, so that's at most 82W; probably less.
Therefore, unless you plan to upgrade your main system's video card soon, one way to save power might be to swap the 650W PSU to your UT3 machine, and add
a 380W bronze PSU to your main machine.
How much money this would save you - if any - would depend on your electricity rate, how much of the time you leave your machine on, and how much more efficient this PSU is at your usual idle power usage. If you leave your machine on all the time, you might make the money back within 1-2 years, not counting what swapping the 650W PSU to the UT3 machine would do. In the worst case, it might raise your idle power by 5W and/or cost you money to ship the new PSU back.