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seasonic 650w yes, chinatek 2000w no
First, its not good to run a PSU at or near max. Ideally you want to stick under 100% of the load at all times, though most PSU's have a bit of headroom, and under 80-85% most of the time, with heavier loads pushing the 60-80% range and ideal loading being at 40-50% load for best efficiency. Simply put, if you want the best case for the PSU to live the longest and do its job the best with least chance of failure the 40-60% loading range under normal use is ideal, but you also dont want to outright double what you need, its an odd ballance.
See these sources:
https://www.pcgamer.com/how-to-choose-a-power-supply/
https://www.tomshardware.com/reviews/psu-buying-guide,2916-3.html
https://youtu.be/aACtT_rzToI?t=1301
(21:41) My emphasis added.
And then we have the random web-result that Google has chosen as the top answer to "What load should you run a PSU at"
https://forums.tomshardware.com/threads/does-psu-load-affect-its-lifespan.2860712/#:~:text=heat%20is%20the%20enemy%20of,you%20will%20shorten%20it's%20lifespan.
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So, with all that in mind, what does the 3070ti actually pull under load?
Yup, just about right... Though its a bit closer to 290-300
https://www.techpowerup.com/review/nvidia-geforce-rtx-3070-ti-founders-edition/34.html
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So where does this leave you OP? Well, on one hand *can* you run a 3070ti on a 650W? If it is a quality unit up to the task of being pushed near 80-100% draw on a daily basis, sure, you *can*, but you will be (best case) pushing the backbone of your PSU to its limit any time you stress your machine, all at the expense of more heat and more power draw. We know this is the case due to the GPU alone pushing you past 50% load any time its pushing a game. Add in the rest of the build and you are hitting pretty high loading. A good PSU is built to handle that, but its still not ideal.
I would suggest a decent 750-850 if you can afford one, that would put you in a much better situation on power draw on the PSU vs max ability, and would result in a cooler PSU, longer lasting PSU, and possibly better stability depending on how borderline the other PSU of choice might have been.
Bear in mind though, that as stated, a brand name quality seasonic 650w is better than a no-name 850w. Price and weight matter in the PSU world. If its too much power for the price, or if you get it in hand and it feels like a feather, its a problem. Good quality PSU's generally have cost associated with that quality (though there are some great budget examples out there, just research your units). Likewise that quality generally brings physically heavier components resulting in cheap PSU's being quite light in weight more often than not.
I will concede that I tend to recomend a bit more heavy PSU's than others here, and I also concede that the official PSU requirments are similar to whats been suggested, but those have been wrong in the past too haha. In the end I think you will be OK, but if you can, get something a couple hundred watts more.