I always suggest higher power than you need for a few reasons:

Peak efficiency is at about half load, and peak efficiency produces less heat, which is what kills components.

Long term compatibility - larger PSUs have more ports and can support significantly more specialized upgrade paths

Larger units tend to be made with higher quality parts. As I stated in the other comment, the PSU is the only thing that can take everything else with it when it goes.

As a generation of parts age, they often get more power hungry as companies start packing more chips into the same form factor. The regular CPU and GPU lines will get more efficient, so they'll release a premium or creator line that has more cores or units.

Finally, a good power supply can be effectively permanent. Having more than you need is never a problem, and you can reuse it in an entirely new build ten years down the line when we have no idea how much wattage will be needed.