@maxfly
"You? Well, obviously you are free to do with your rig what ever pleases ya 
Clear enough?"
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It is well established for years now that all here and everywhere around the world can run their systems they way the want.
No doubt... you dont have to keep saying it. You can though.
OP has asked a specific question.
We are not here hopefully to try to change your opinion about zero rpm function of fans.
What is totally irrelevant IMHO is your comment about the educated engineers who designed the components to operate with a fan 100% of time.
And I can ask again... who do you think programed the zero-rpm function if not the educated engineer who designed the PSU or the whatever else component?
Can you answer this simple question? And maybe make and discussion (not required though) about it?
Or are you going to start diverging the subject to personal preferences? again...
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Fans are designed to take away the excess heat to avoid overheating as we all know. No science here...
But if the temperature is low... why cant the fan be stopped and start when really needed?
Its a simple function.
99.9% the dying had nothing to do with zero-rpm. PSUs are dying within warranty even with their fan operating 100% of time. It happens and you shouldn't be afraid of a PSU that its made with all the safeties to protect the rest of the system on its dying time.
Can I ask what exact model this PSU is? If its HX750i like mine you can monitor all its metrics from iCUE to witness if any high temp is going on in there, or maybe there is away you can just install the Corsair Link driver so you can monitor even more parameters through HWiNFO64, like the screenshot I posted on #28, if you dont want iCUE on your system that is.