Imagine you are 30 years old and need heart surgery. On the way into the OR, doctor says you have 2 options, the heart of a 60year old smoker for $100,000 or the heart of an 18year old non-smoking athlete for $150,000.
It's that simple. The choice of psu should never be governed by budget, only by necessity and availability. A good quality 550w is exponentially better than a mediocre quality 650w if all you require is 450-500w, like a rtx2060 system.
Go cheap and unreliable if you want to, but don't blame anyone but yourself when it blows up in your face a year from now and quits because you bought a cheap psu that was not designed for the job. High draw gaming gpus put massive, instant stress on a psu, and quality gaming psus are built for the job. Cheaper OEM replacement psus are most definitely not.