I'm confused as to why the insistence on a lower power unit. And don't say price. An excellent 450w psu is often more expensive than a mediocre 500w and almost always more expensive than a piece of junk 700w. It's also got nothing to do with the electric bill, the rating of a psu is power available, not power used, so a 500w psu is the same as a 1000w psu if the usage is only 350w. The only real difference is price vrs size vrs quality in any particular brand, not including sales discounts, so a corsair CXM450 is generally cheaper than a CXM750, but that's got nothing to do with Evga prices per size. Or model.
So it's probably easier and cheaper to get a decent 550w, that'll cover anything or any changes you do or do not make, than trying to find a really decent 400-450w that's guaranteed to cover any possible changes.