^ Sure, you could just say all CPUs are 400W and all video cards 80W to cover all bases too, but it wouldn't be remotely close to the truth.
Show me a fan that uses 10W where anyone will need more than one of them unless they're shooting for an overclocking record? Maybe in some case where someone shoehorned a gaming card into a very small form factor system so they're stuck using 80mm or smaller fans, not at all the typical system.
The average gaming system needs no more than 6W total worth of fans. Realize that what is on the fan label is the stall current, not the average current at 12V, and these days not even close to the throttled RPM current many motherboards or aftermarket fan controllers support.
On the other hand, it is better to overshoot needed capacity than undershoot and we're not talking about that many watts difference, but these things can be measured.
An estimate should strive to be as accurate as reasonably possible then if you want a margin on top of that, you add that on top of the most accurate estimate possible.