I used to test server and PC power supplies for a living (until 2009). I do NOT recommend running at 50% load unless your PSU is a cheap turd and you are worried (rightfully so) about component failure. 80-90% load will give you better efficiency, a higher power factor, and less harmonics. Fyi, as a residential electricity customer you don't really have to worry about power factor or harmonics much but large companies can be charged by the utilities for abusing the infrastructure with a ton of shitty/under-utilized PSUs. Since the company I used to work for sold into enterprise, we were very interested in PSU performance and matching up components for efficiency.
At home, I run a decent 350W PSU now, and my system draws about 200W of DC power under load (i.e. gaming) with my components (single Intel 2500K CPU, 8GB RAM, ATI 7870 GPU. 1 HDD and 1 SSD) and around 130W when surfing the web or working. I literally couldn't find a decent, well priced PSU with lower DC power output when I built the machine 18 months ago. It cracks me up when I see guys putting 700W power supplies into their gaming rigs that never draw more than 300W (and none seem to understand the difference between AC power draw from the wall and DC power draw of the components in their system, which is what the PSUs are rated for). It's basically flushing money down the toilet in multiple ways.
Just my $0.02...