I guess your options are:
* stop gaming
and you'll be within power limits
* get a Hantek oscilloscope and see if your power is being deliverered
* run it until it fails
not always safe but plent of people have had PS fail, put in a new one, with not-noticeable board damage
I bought a $20 on sale Diablo (ugh!) 450W for an i5+nvidia 1050 suggesting 450W just for the 1050 (not including cpu W, nor HD W, nor USB plugged). I was a full 50W under at least. But I was in a hurry? And $100 was only other choice.
I ran that thing 6yr until the fan started making noise. Including playing through GTA IV once. Then instead of replacing fan replaced PS since it was the wrong supply really. all costed and such.
So I would say be careful but not to worry terribly. Replace it sooner rather than later when you get years on it.
NOW. as to life of your components: not one of the PS Tom's Hardware reviewed didn't fail in a few areas.
My
GUESS is by the time it matters you will be upgrading so you can play some new game, and not care. Your not trying to make this PC last 20yr are you? In 20yr nothing that PC does will be supported by games, or the web, and you can't find parts.