IMO, you should pay more for Gold certified, if Bronze is not in the budget.
As RCoon noted, it is not always about % efficiency - though that is a big part. Note a PSU has different efficiency ratings depending on the load - and that varies a lot with computers throughout the day, depending on what you (and the OS) are doing at the time. And over the life of the PSU (which you should expect to be 5 years or longer), the better certified PSUs will have a higher efficiency across the full range of expected loads so you can easily get your money back and more in lower electricity costs.
Plus, the better quality PSUs will have lower
ripple. That means your motherboard regulation circuits will not have to work as hard to suppress them, keeping them cooler, potentially adding to the motherboard's life expectancy too - as well as improving over all computer stability.
Plus less heat generated by the PSU, and less heat generated by your motherboard's regulator circuits means less heat being generated into your room your air conditioner needs to deal with (during the summer anyway). And lower heat in the PSU means the PSU fan can spin slower, and make less noise.
Would you buy a brand new Porsche and fill it up with generic gas at the corner "
Big Bubba's Tobacco and Bait Shop"? A car engine can miss a beat and keep running. Not so with high-speed digital electronics.
When looking to save a few pennies in the budget when building or upgrading a computer, look everywhere else - not at the PSU.