You never scrimp on your PSU!1 If you do not have the money for a good PSU then I contend you have no business building a computer!!
I'm not sure what the hell I was typing, but I meant to say that if I'm not going to hold on to a particular computer due to constant obsolescence and psychologically needing a new PSU with a new build every time, then it is not worth the money to buy those super long warranties. I don't mind buying more insurance, if the insurance provides actual tangible benefits. Up to a point, if avoiding downtime is such a concern, people should buying products incorporating concepts used in servers should be put into desktop CPUs, such as having two separate PSUs in one unit.
I also don't mind buying extended insurance
if I plan to use it for that full extended time period. If I'm buying a 10 year warranty unit, I'm actually going to run it and run it hard for that long.
Certain failure modes occur early in the life of PSU use. The cold solder joint is one such failure in which problems become noticeable relatively quickly. Here, physical examination of the solder job and how consistent a manufacturer is with it over time is valuable, which OkalahomaWolf certainly did.
The normal failures mode of "quality" units should be simply inconsistent function or quiet, unobtrusive nonfunction with no damage to downstream components. The limiting factors are the fan and the capacitors cooled by said fans.
I actually have too many functional units just collecting dust. Currently running one unit with a budget EVGA(BT 450 or something) when they were buying marketshare at a loss. Before that, I got two Antecs, one Earthwatts and one Neo Eco 520C for about 30 dollars each and they still fire up computers I snatched off of the street for free and had dead OEM PSUs with bulging caps.
Now, I don't use too much power as I have no time to game, but I am confident that the PSUs will outlast me.
The strange thing is that people don't apply the same paranoia logic to mechanical hard drives, typically going for the WD Blues or those wretched Seagate consumer drives or if they want some insurance, the WD Blacks. Never do they go for the Enterprise grade units.
Likewise with SSDs and the horror of data recovery if they go belly up. There needs to be budgeting for two or more reliable backup drives.