no, specially on a 3700x a TDP of 90W in comparison, to say, a 10700k 125w. The thing is, and let me clear, PSU is never a thing you should playing cheap or risking, but lets do some basic maths here, the FE 3080 has a base target W of 320W, and that goes 410W already with the CPU, wich is the max the card and the cpu would draw on stock values, overclock makes this worse obviously, the 3080 FE if im not wrong, could draw a much as 370W if you use things like MSI afterburner to increase the power limit, but lets play stock... and while i shouldnt assume the average user rig, lets just say 2x8 ram, 2-3 case fans, a decent cooling solution, a SSD, non truckload of RGBs, it should be perfectly fine provided its a good PSU, corsair, seasonic, etc etc, also because all PSU's have power loses, some more and some less, so the final output isnt 650W, lets say a good one actually provides a real 610W or so delivery.
see where this is going? while this setup would run the 3080 perfectly fine, nvidia doesnt want to risk lawsuits, their image, RMA and so on, and for that matter, some folks would really be playing close to the 650w limit or even crossing it by a margin going all crazy on overclocks and what nots, with that said, nvidia decided to go better safe than sorry. Lastly, im not saying you should do it, or that I would do it, but for what you're telling me, if you psu is good and efficient, yep its not gonna explode.