Are you claiming PSUs don't break down?! I can same the same for your claim here.
No. I am saying there is no evidence a good power supply won't be capable of delivering its maximum rated load a few years in the future. Though if you're curious as to why good quality power supplies fail, read here:
https://www.tomshardware.com/news/why-power-supplies-fail-psus,36712.html
They rate it for 650W at 50C, so it will do that 24/7 for 100yrs? 1000? Because PSUs don't wear down over time? Caps don't age? Really?
Likely at least the warranty the give the PSU, given the PSU doesn't die in the process. This argument is irrelavent as OP's system won't be at 100% capacity of any good power supply anyways, not even close.
No-one is saying PSUs don't wear down or capacitors don't age.
Between 20% load (test 2 on those JonnyGuru reviews) and ~75% load (test 4), the max difference is 3%, 1.9%, 1.9% (you linked the same review), 1.3%, and 2.7% respectively.
For the following I'll be using
Cybenetics data as their efficiency testing is alot more in depth.
Let's make a scenario. A system consumes on average 255w at gaming load. On the Focus Plus 850w, this is it's "peak" efficiency at 90.860%, meaning the system draws ~280.5w from the wall. On the Focus Plus 550w, it is ~89.6% (estimated), so consumes 284.6w from the wall. That's only a difference of 4.1w. If the system were gaming 5 hours a day, every day of the year, that's about 7.5kW/h saved per years, which is likely under $2 USD.
If that wasn't already unnoticeable, we also need to take into account idle loads (60w). The 550w draws ~70.36w, and the 850w draws ~70.9w. If the computer was idle for 4 hours a day, every day of the year, that is ~.8kW/h saved from the 550w.
Whereas for similar price as the 850 Gold, we can find the 550 Focus platinum. With this power supply you're actually saving power as opposed to the 850 Focus Gold.
So in the end, it is pointless to get confused with how your power supply is loaded, and you'd end up with not a good power supply choice.
Just look at how much your system draws at max, and choose the best power supply that can supply that which fits in budget. This is the easier and better method.