The 750 Ti needs a minimum of 300W support; you should be fine running those specs on a reliable 400W psu. Cooler Master power supplies aren't the most reliable or best. The capacitors generally last ~2 years according to most reviews. When any power supply fails, there is a chance components will be damaged.
Does it count if my Asus Mobo has Anti-Surge protection ? Would that help the components if anything happens ?