I have long recommended people buy good PSUs when building a new PC. If you use it for work, 8h a day or more, it is a requirement!
Not doing that may cause the PSU to only last a couple of years and be more expensive in the long run. I have a Corsair RM series that is now over 10y old and still works very well.
There are even some PSUs that do not have a Metal Oxide Varistor (MOV), so your PC can be damaged by current spikes if there are no surge protectors, which most people do not use. Every mid range or above PSU will have one, as will other features like over current protection or over power protection.
Short circuit protections (SCP), especially 12V rail only, are not enough to prevent damage to hardware. If you have a damaged GPU, a PSU with no Over Current Protection will sometimes allow motherboard damage through excessive current on the PCIe slot. This type of failure does not trigger SCP because there is some resistance but damage or fire inside the PC can occur. (I have had this happen)
I have also had a melting SSD and SATA cable due to the same issue, fortunately the motherboard was not damaged.
There is one NZXT Gamer Nexus video where they discuss case fires that would have not occurred with proper PSU protections like OCP or OPP. Steve and many people think that PSUs should not shut of in those kinds of conditions but it is not true. A properly designed PSU will instantly shut off - it will look like the PC does not want to turn on.