Assuming the future PSU is from good quality ..
It is not only about the max estimated rating, it is also about (on one side):
- Spare head room for future upgrades
- The more frequent your power usage near to the psu's max rated capacity, the faster it will brake.
- if the psu is running near full capacity, it will be quite warm and the fan will run quite fast..hence it will be loud.
On the other side...you need budget to pay attention to.
I would say, 550W should be ok as long as your system is not running 24/7.