SD67 is on track. As a EE, I can tell you that the cheap connectors used in those modular supplies are a source for noise (via capacitance) to be introduced into the computer circuits.
The ripple introduced is bad enough that it will serve to shorten the life of various components in the system. Of course, that could still mean years, or months. The levels of noise will vary. The levels of damage will vary. The ripple also introduces more unwanted heat into the system, as the components have to deal with the ripple, which is done by dissipation of the excess current as heat. These properties get more and more exaggerated over time due to the connectors resistance increasing through the long term effects of capacitance discharge.
If you hooked up a good quality scope today, then again in 6 months, then again in another 6 months, you would see how those cheap connectors are causing potential damage to your computer.
If the power supply companies used a high quality gasless connector, such as a Euro-style connector, it would be a non-issue, but the supplies would cost quite a bit more money. It is a bit ironic. As those connectors get worse, the power supply will have to compensate by generating more power, which causes the effects of those connectors to get worse, which causes the supply to generate more power,..and so on.
These effects are a known quantity and have been known for over 30 years. It is the reason there are high quality gasless connectors on the market.
While I am not crazy about the bundle of cables left over, they can be dressed completely out of the way. It really depends on the computer case design. I had no problems dressing the cables out of the way in my computer. Everything runs nice and cool.
