jimthenagual :
In order for a platinum PSU to be worth while purchasing, the general consensus is that you'd need to be running your system at a high usage for years before you'd save enough money in your electricity bill to make it worth the investment. For the average home user, it's unnecessary.
A 5% improvement in efficiency (eg. Gold instead of Bronze) would save about 25W for a PC that uses on average 500W. Over the course of four years, assuming the electricity price is the USA national average of 12 cents per kWh, if the device is run 12 hours a day, the savings for a 5% increase in efficiency over that period would be roughly $50 (25*12*365*4*0.00012).
So if you usually leave your PC off, it probably won't save money, but if you usually leave it on and plan on keeping the PSU for a while, it can actually pay off in the long run to get Gold. You might argue that most PCs use less than 500W on average, but also the price difference between Gold and Bronze is smaller for cheaper PSUs. It all depends on your situation, so I would recommend anyone buying a PSU to do a calculation like this with numbers based on their specific circumstances. I used these numbers because they are relevant to my personal experience.
Every percent more efficient than 90% is dramatically harder to accomplish than the last, so it really does take high quality manufacturing to make a Platinum certified PSU. Likewise, Platinum has a very high markup above Gold with a comparatively small effect on energy savings. So I agree, the amount of energy it saves is unlikely to pay off when it comes to a Platinum PSU for most people.
Another thing to consider is the fact that a more efficient PSU means less electrical energy is converted to thermal energy for every joule of electrical energy that reaches your components. Keeping temperatures down promotes a longer lifespan of the system. In well cooled systems this may be negligible, but it is worth taking into consideration.