Typically we want to see it at 50% load max. Otherwise we need to put on the DC Current Loop Meter to see if any rail is over 50% load.
As to heat, all it takes is some senor or chip to think it's too warm. Easy to test for. Remove covers and point a house fan at the box.
I recently put together a new build with the following specs:
Intel S2600CP mb
EVGA SuperNova 650w
16gb ecc ram
2 3tb WD Red hdd
Cooler Master Hyper 212
3 case fans
I had been running off of the integrated graphics and decided to upgrade to a dedicated gpu. I purchased the Gigabyte GTX 1050Ti and installed. Works great for what I need. The next morning after the install, my computer had shut down. Now each day the computer shuts down randomly. It is never when I'm using it. Almost always when it is at idle.
I can't imagine it is the PSU. I'm running well below 650w. When I take out the GPU and revert to on board graphics, everything runs fine. The temps on my CPU and GPU are fine when I'm using the computer. Hard to believe that something is overheating while the computer is at idle causing the system to shut down.
Any help would be appreciated.