To follow up on the difference between Bronze and Gold power supplies.
Bronze and Gold are just levels of efficiency at a particular output point (usually as mentioned at 50% load). It's pretty common that almost all PSU's are only at about 70% efficiency at lower loads (usually at idle when you might see sub 50w loads so who cares anyhow...). Anyhow, back to the ratings.
To be 80+ rated, you must have at least 80% efficiency at 20/50/100% load points.
To be 80+ Bronze, you must have at least 82/85/82 at 20/50/100% load points.
To be 80+ Silver, you must have at least 85/88/85 at 20/50/100% load points.
To be 80+ Gold, you must have at least 87/90/87 at 20/50/100% load points.
To be 80+ Platinum, you must have at least 90/92/89 at 20/50/100% load points.
To hit the holy grail of 80+ Titanium, you must hit 90/92/94/90 at 10/20/50/100% load points.
What does this all mean in the big scheme of things for your average user? Not a damn thing. Why? Because if you leave your computer on 24/7, when it's not in active use, the load is usually these days down in the 10% range anyhow, and you're out of your peak on the efficiency curve.
Obviously, for a large datacenter with hundreds of servers being loaded at least 50% 24/7, having a 10% increase in efficiency makes up for a lot of savings. And of course, having a decently rated PSU for thousands of computers for your average users would make a difference in the big scheme of things, but the problem comes in with the price per efficiency level.
Bronze level PSU's are pretty reasonable, you can get a 600w Bronze Seasonic for about $80 bucks. Meanwhile, you can get a 800w Platinum Seasonic for about $200.00. Double the price, for a 7% increase in LOADED efficiency (and 200w more headroom). If you were to be gaming 3 hours a day, 365 days a year, at 400w load, you'd wind up saving 7% of the electrical cost of 1.2kw/hrs. At 10c/kwhr, you'd be saving about .9 CENTS per day, or about $3.60 a year.
You're computer would be obsolete many times over before you recovered the difference between a Platinum and a Bronze PSU.
Gold vs Bronze is a little better, but not much. The price difference between a Gold Seasonic 650w and the Bronze Seasonic 620w is about $40.00. But again, only saving $3-$5.00 a year would still take a decade to recoup cost.