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What's a good graphics card to buy around $100-150?

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Is the same card. The only difference is that it has two fans but fans don't use that much energy (from 1 to 3w, depending on the fan and RPMs). A single fan 650Ti might peak at 110w while a dual fan 650Ti might do so at 112w, not a game changer.

Also, remember that these are PEAK values which you'll most likely never get to. Even when gaming or working on something, most of the time you'll be at <70% of the peak values because there's no game or program that loads everything (RAM, CPU, GPU, motherboard) at 100% all the time.

Only in very specific scenarios you'll get to more than 200w or so and you'd have to go out of your way to do it, like running 3dmark 11 combined test, Intel Burn Test, Furmark and encoding a high bitrate movie on Handbrake simultaneously.
 
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I don't think you'll need a new PSU. You are only moving up (worst case) 40 watts from the 640 to the 650 Ti! TRWOV quoted the power draw for a GTX 650 Ti Boost.
CPU 69 watts, GPU 87. That's a total of 156 watts, or half of your PSU's rated capacity, and those are numbers that you will never reach during normal use. You're good to go. Buy a $17 watt meter to monitor power if this makes you at all nervous.
 
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