Modern PSU wont take your system with it, most have built-in protections for it. Not sure about tx650 though, thats relatively ancient design by todays standards. Things like ax1600i could last 20yrs+Well that’s bad advice.
A psu can pop and take the whole system with it.
I replace hard drives and power supplies preemptively as both can lead to immense loss.
I use everything else until it stops working though…or until I got bored and want to play with something shiny lol