Well if u start experience boot loops or freezes u need to change. There is some worst cases 1. ur psu will overheat and reduce its lifespawn 2. the psu goes bad and dmg mobo,ram,etc . 3 it catches fire. Companies and ppl that work with tech all day always recommend headroom in the psu and never cheap out cause its the heart of the pc all the voltages start from here. My personal opinion take a 550 or 650 watt for 2060 it might seems too much but as they say better safe than sorry.Also its always good to have a 2nd psu in case of troubleshooting.