PSU Overhead for Dev Workstations: Is 750W the new "minimum" for a reliable home lab?

I’m currently in the middle of a long-overdue hardware refresh for my main development workstation, and I’ve hit a bit of a crossroads regarding the power budget. For the last few years, I’ve been getting by on an older mid-tower that was "fine" for standard web dev, but as I’ve started moving into more local containerization and some light LLM (Large Language Model) experimentation, my old machine is literally starting to sound like a jet engine during every build.
I’ve always been someone who prioritizes stability over pure aesthetics. I don’t care about RGB; I care about my machine not crashing when I’m four hours into a deep-learning training run or a massive project compilation. In my search for parts, I recently picked up a 750-Watt power module. At first, I thought 750W would be total overkill—my brain is still stuck in the era where a 450W supply was plenty for almost any non-gaming rig.
However, after diving into some hardware forums, I’m seeing a lot of conflicting advice. One specific point that caught my attention was the discussion around "transient power spikes." Apparently, even if your average power draw is well under the limit, modern GPUs and high-core CPUs can have these micro-millisecond bursts that can trigger the over-current protection on a lower-quality unit. This really made me rethink my choice. I’m wondering if a 750-Watt unit provides enough of a "safety buffer" for a developer who isn't necessarily a hardcore gamer but does push their hardware with heavy multi-threaded tasks.
A small personal insight: I once lost a whole afternoon of work because an old, cheap PSU couldn't handle the load when my IDE started indexing a massive repository while my local database was running a heavy migration. It wasn't even a "smoke and fire" failure—just a sudden, clean shutoff that left my filesystem in a bit of a mess. Since then, I’ve been slightly paranoid about my power delivery.
I chose the 750-Watt module because I read that power supplies are generally most efficient when they are running at about 50% of their rated load. Since my estimated peak draw is around 350-400W, the math seemed to check out. But with the way power requirements are trending, I’m worried I might be "buying into a dead end."
For those of you running home servers or heavy-duty dev workstations, how much thought do you put into your power headroom? Do you think the shift toward more power-hungry components means we should be looking at 750W as the baseline now, or am I just overthinking the "transient spike" issue?
I'd love to hear if anyone has actually seen their system trip a 750W unit during a heavy compile or if that's still mostly a concern for the triple-A gaming crowd.