well i carried on using my pc for a year, but it got much worst in the last few months, it's started making a high pitched noise/ crackling sound
dont buy a PSU for less than about 45 quid... it'll be cheap junk, i spent about 48 quid on the OCZ 600W Stealth X Stream ..... (after about 3 weeks research)
this PSU is excellent, i brought it from here and it arrived the next day..
no, it'll turn off randomly when least expected... but it wont crash in idle mode, only whilst gaming.
it can destroy your MOBO/ Graphics card if it goes ``bang``...so i've read

..dont use it again, till you replace it