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but quality/brand over labeled wattage
Well... Not ANY, but anything upto high mid range, sure, but a top tier cpu and gpu will be tight.
But op. I don't t think swapping from a 2070s to a 6700xt is a good move, it's more of a very expensive side grade right now than a proper upgrade.
Edit.
Missed a letter which changed what I was writing (do t instead of don't).
80+ has actual rating and testing
85+ is not a thing at all
https://en.wikipedia.org/wiki/80_Plus
A 650W PSU, and a good one at that, is good for any mid range cards in a system like that. But, I prefer to always go for more, as Jaytwocents had said (at least, I think it was him), always go for more than the bare minimum of what you need.
In such a case, I'd go for a 750W PSU (a good one). But seeing that the OP already has a 650W PSU (I hope it's rated as 'Gold' and from a good/respectable PSU brand, and hopefully, not that old), he should be okay with that PSU.
If you buy a power meter plug and run your pc through it, you'll likely be in the 400-450w range ish so your 650w will be fine.
If this is to me, woohoo go go my power usage estimating skills! Hehe
better to have the psu never reach full load than be maxed all the time
they are much more efficient around 30-60% than at 80-100%
No you are wrong.
A 650 watt PSU will be perfect and provide enough headroom..
A consumer-grade CPU combined with even a 3090 will pull ~500 watt at most.
And I wouldn't even consider the 3090 a consumer-grade GPU. It's a Titan with the Geforce name stamped on it.