There are no real separate rails, only current limited wire groups.
And only thing they achieve for normal users is more trouble in balancing load between them.
Also there are no load percentage based fan controls, they work based on PSU's temperature.
Anything else would be bad design seriously risking PSU's endurance if in warmer environment.
There's semi-modular Antec Earthwatts Gold Pro, but fully modular Seasonic Focus Plus has been even cheaper in discounts.
Antec has same insides, with difference being in cables and Antec giving 7 (vs 10) year warranty.