Fair point.
I simply do not use TDP.
Much simpler and straightforward to use the concededly higher "recommended" PSU wattage.
TDP sometimes being absent from specs etc..
And I do tend to round up and end up with a high wattage PSU being "needed".
Much higher at times....
Also for any component that provides a wattage range - I always use the high end wattage value.
Total the wattages using calculators and my own manual total. Average it out - tends to lower the PSU wattage at times.
Not sure when I evolved to doing all that - been awhile.
Like this old link from 2019.
https://www.howtogeek.com/438898/what-is-tdp-for-cpus-and-gpus/
And a bit newer:
https://www.windowscentral.com/what-tdp-and-why-should-you-care-about-it
I would apply the "Suggested" PSU table and not TDP. (TDP being more applicable for cooling requirements as I understand it all.)
Very much negates debate and concerns about peak demand wattage issues and puts the focus on getting a quality ( $ ) PSU even if the wattage is high.
Plus there is the added value of having room for growth or swapping the PSU into some other system.
In any case, I just simply accept that I may have too much wattage. AKA "No harm, no foul".
That is just me.