Everyone has a different load limit. I think I picked my 80% figure from HardOCP's "torture test". They load the PSU up to 75 or 80% of output and hold it there for 8hrs. I've seen on the forum many people pick 50% because there is where max load efficiency. The difference between 50% and 75% is usually around 1 or 1.5% lower. I'm willing to give up greater max efficiency for a lower priced unit and great idle efficiency.
If your eyes glossed over, let me use the previous ~400W load as an example. 400W is 73% of a 550W unit, so I'm fine with running a 400W system on a 550W PSU. If you want to only load a PSU to 50% of it's output, you'll need an 800W unit to power that system. Not a lot of those, you'll probably pick from a 750W or an 850W. My issue with running an 850W is they tend to cost more than a 550W, and at idle they will be horrible. 80+ at gold level and lower doesn't test sub 20% load. And at idle and just surfing the net, modern PCs tend to use around 100W. This is sub 20% load for both the 750 and 850. (It's also barely sub 20% for the 550W.) You might still get 82%, or 80%, but it's possible to get 75% or worse. I'm willing to save the cash at the start, and make sure I stay above 80% while I'm talking on forums.
Finally, don't discount age either. PSUs don't last forever. They do wear out. I love my 450W, but I've had it for nearly 5yrs now I think. I've been looking at what new PSU I will be getting. The hotter you let them get, and the longer they are in use, the sooner you'll need to replace it.