It's sort of strange when people think in terms of "barely enough". I mean, do you want barely enough light in a room, barely large enough clothes, barely enough to eat? Why then would you want barely enough PSU?
If you are running a PSU nearer its rated output power you reduce its lifespan. This is something reviewers cannot do for you, run their hotbox for years at a time to let you know how long a PSU lasts at any output power.
To me and others it isn't as relevant if a "500W" PSU can output 500.000W at 40C, it's how long it will live outputting 300W. When you buy a PSU capable of higher current certain things are improved like transistor die size, heatsink thermal effectiveness (vs thermal density of transistors, diodes, etc), capacitor ESR reduction and physical size (as it relates to surface area to shed heat), fan airflow capability, etc.
In addition to longer life, having higher capacity means it covers a larger range of potential system changes or upgrades later.
Further, there's often minimal price difference between a quality 300W PSU and 500W PSU as 500W or a little higher has become a popular enthusiast wattage range quite often put on sale or with a rebate, so unless you need a mATX or smaller form factor, there is little reason not to get the higher capacity PSU except that with systems that are very low loading you might suffer a few % efficiency drop.