Bad PSU or bad HDD?

Hey guys,
I'm 99% positive that my hard drive the the source of my recent computer woes, but I'd like to also check the PSU. I don't have a multimeter, but the PSU box feels pretty warm at times. It's a Corsair 550w, about 3-4 years old. Is there a way to check if it's operating properly without a multimeter?
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More about tomshardware
  1. Do you fans run when you boot the PC? A multimeter can tell you voltage if the fans run when you boot up.
  2. Fans are running just fine. Given that my hard drive is probably pushing 10 years and failed a S.M.A.R.T. test for Reallocated thingies(technical term, I swear!), I'm pretty darn sure that's the problem and not the PSU, but I had read that bad PSUs can kill hard drives(among other things). I just want to be sure that I don't inadvertently fry a brand-new hard drive because I misidentified the true source of the issue.
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