OEM or "cheap' PSU versus a "quality" PSU, two different conversations. Anything can push a cheap PSU over the edge, but assuming a good PSU, it's negligible. As far as the fans go, any fan running at max speeds, especially cheap fans like those included with most cases, will never have the same life expectancy as a PWM or voltage controlled fan. Plus, they'll use far more power from the wall and over time it will be reflected on your monthly bill if your system is on more than it's off. They're also a hell of a lot louder running full speed all the time than they are being PWM or voltage controlled via the headers and bios, which cannot be argued.