Corsair PSUs had a good reputation a few years ago based on statistics from a large, independent, PC maker, building tens of thousands of systems in a year. I use Seasonic 80%+ Bronze which were known at the purchase time to be quiet and cool. I haven't been in the PSU market in a few years, so all my info is out of date.
Heat that isn't generated doesn't need to be cooled. If being quiet is paramount, look at silver and gold rated PSUs.
For systems with just a CPU, onboard iGPU and 1-2 HDDs, I don't add any more cooling than the PSU fan. My NFS server is like that, but with a 5 disk hot-swap bay which has a largish fan pulling air into the case across the drives. No other fans. It also has an external array, so cooling those disk is outside.
My main VM server has an SSD and 1 HDD inside, plus a fan-less nvidia GPU. It has a Seasonic PSU and 1 case fan, only because that case came with one. The Ryzen 5 CPU uses the free CPU cooler that came with the CPU and it slightly overclocked using the motherboard automatic OC feature.
None of these systems has ever shown any heat warnings in system logs.
I had a "Shuttle" Core i7 from 2009 that had cooling issues according to the system logs. It had a CAD nVidia GPU. Throttled 1 or 2 cores from time to time when doing transcoding.
There it no such thing as being over-cooled.
These days, pretty much all components have built-in thermal reporting. Setup monitoring and alarming for each part. I do the same for low battery conditions on my laptops.
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