You should probably go for lower voltage and higher efficiency. Go for at least Gold Standard. A 750 Watt PSU should serve you well. So long as you don't pair it with any super high TDP components, it should hold up perfectly. You can get some for under $100.
On durability: PSUs generally last at least 20 years. The only reason you'd need to upgrade is efficiency or TDP of your computer.
But if your current PSU has never been fully taxed and you're not running stress tests constantly, you'll be fine.