If you ever do SLI/Crossfire it will come in very handy. If you can't see yourself ever doing that, you're just wasting electricity - a 850W PSU at idle (which is the state the PC is in a most of the time, unless you're a pro gamer or doing folding/rendering etc) definitely consumes more electricity than a 500W PSU at idle (idle draw is typically well under 100W). Normally I recommend getting the smallest PSU possible that is capable of driving the PC under 100% load. 400-550W is usually where you end up for average usage scenarios.