Switching power supplies deliver the best (cleanest) power when they are between 75 and 80 percent load.
Under reduced loads power supplies cannot come close to their efficiency rating. They run hotter. The produce far dirtier power which also causes other analog components (hard drives, burners,...) to die sooner. They cause fans to run noisier. All motors run hotter. This is due to the power having spikes in it which are not converted to motive power, but simply cause more heat to be generated in the copper windings.
If the motherboard does not have sufficient filtering for the power, then the components on the motherboard will also run hotter and premature failures can result.
If the loads on the power supply exceed 85% to 90%, the same problem occurs, but with with accelerated results as the supply cannot generate enough internal power to filter the output well enough.
If your computer is suffering from stability issues, and/or component failures, then you probably need to look no further than your power supply as the cause.
Right now, Seasonic is making the best power supplies available. They also make all the best supplies available from Corsair, Thermaltake, and many other companies.