and now a word about quiet...
I like quiet, quiet is good. However, there are two reasons why a quiet PSU can be a problem:
1) Switching power supplies depend on cooling for higher output. Take ANY switching power supply, reduce the cooling, and it will have a lower stable output. If you reverse the situation, increase the cooling...
2) Cooling has a direct affect on the lifespan of the PSU. If you're buying a cheap PSU, it's not so much of a loss to have it die prematurely, but to spend upwards of $100 or more and have a PSU failure within a year or two instead of 7+ years is harder to accept. Although a PSU has capacitors rated at 85 or 105C, they will not live so long a life at temps even half that high. Suppose your system only draws 200W from that 400W PSU.. at typical 70% efficiency that's 85W of heat produced in the PSU, quite a lot compared to all but the fastest of modern CPUs.
If you want both quiet and long-life, there is only one way to achieve that, IMHO, to reduce the turbulence as much as possible while keeping the airflow as high as tolerable. Choose a PSU with dual fans, having a larger 92mm on the underside. Remove the rearward fan and cut out the stamped grille if one is present. Then add a wire/chrome grill if original grill was stamped-in, else you already had a wire grille. Next remove the 92mm fan, cut out the grill in front of it, and mount that fan at the same spot on the OUTSIDE of the PSU. This will only work if the PSU has enough clearance from the motherboard. You may even need to add a [~47-110 Ohm) resistor to the fan lead to further reduce RPM if the heat/RPM control circuit isn't very well tuned.