jackrob97 :
Would you say its bet to put in the calculator that the system is at 100% load and the CPU is at 100% utilisation?
It's fine if you want to get a peak reading, in actual day to day use unless you are running a couple of benchmarks at the same time it's unlikely your machine would ever be using it's peak power draw. It's a good target for shopping for power supplies to ensure you don't buy something that can't run on your machine, but generally if you just buy 50 watts larger than you think you need you're generally safe anyway. For example, if the PSU calculator says 490 watts, then round up to 500 and add 50 watts so you shop for a 550... that gives you more head room and room for a little expansion.
You can never buy too large of a PSU since it will only output what your machine needs anyway, but you can certainly buy too little and then it can cause machine instability, or even damage components if the PSU fails catastrophically. The only thing you are trying to avoid is wasting money, there is no sense getting a 1200 watt supply when your machine uses 300 watts since the 1200 watt supply will be very expensive compared to the 550 and that's kind of just wasting money.