Everyone? It's on the very first page.
Don't get me wrong here, I'm not insulting your rig or try to start a debate here, but personally for me, of all the parts in a PC, my main concern is the PSU. If a CPU is like the brain, then the PSU is the very heart of the system. Simple analogy, yet true.
A lot of posters here wept and cried because their dead PSU took the others down the grave with it. HDDs and GPUs are the most common parts in question.
It's not often, but I personally don't want that to happen to me. $50-70 as insurance for a $400-500 rig is fair enough for me. But hey, there's people with literally $10 (yes, that's not a typo. $10) PSUs lived to see the next day for months, even years. So it's a gamble. Question is: Are YOU a gambler yourself?