My psu
https://www.amazon.com/gp/offer-listing/B00H33SFJU/ref=dp_olp_all_mbc?ie=UTF8&condition=all
No nothing is being damaged, as everything for the last number of years has been current protected. In a worse case scenario, you would only burn out your psu overtime if underpowered.
My background: I'm 43 an avid gamer since I was a wee little one. Went from console to pc gaming and building since back in my teens. I still live week by week like anyone else, buy and add to my system builds as I go along.
As far as recommendations from the actual sellers, I throw them out the window, as they are always requiring/recommending more then needed for their own protection and the performance results to what they say you will get are always under once in hand.
Go with what you feel is the best help here for you though either way.