There are some reasons to spend up and get a better PSU:
1) Greater efficiency for less heat and noise. While you save a very trivial amount of energy with higher efficiency PSUs for just one computer, it can make a difference with the thermals. Any waste energy is by definition going to heat, so the more efficient the PSU, the less heat it generates. Going with a platinum PSU as opposed to a bronze one will help a bit with noise.
2) The better PSUs usually have better fans and fan controllers, which end up meaning less noise. They have better componentry all around, but in particular the fan and controller matter for sound. One of the reasons I like the Seasonics is the excellent San Ace fans they use.
3) Longer life. If you are doing the "upgrade the parts periodically" thing, your PSU can easy outlast anything else in your system. The better the PSU, the longer lifespan it is likely to have, certainly the longer warranty.
4) Modular connectors. I find it is much nicer to be able to only connect what is needed. Also fully modular connectors make running cables much easier, since you can run them form either end.
In terms of buying a large PSU, that is mostly a noise thing again. What you discover is some of the high end PSUs will shut their fans off entirely for the lower range of operation. So if you overspec the PSU, you can get it to never spin its fan up in some cases. Not saying this is a must do thing, just a consideration. Mine never spins its fan up outside of videogames, nothing I do on the desktop, even Sonar, is enough to make it need to turn the fan on.
Another option along those lines, if you system consumes little enough power, is a fanless PSU. Seasonic makes those too, up to 520 watts which is probably fine for DAW use.