The psu does eat some power, it only converts 80 to 90% of the energy, there's some heat generated (heat means power dissipation).
What motherboard will you buy ? I don't recommend the asus p5rd2-vm, since at least 1 out of 4 we use where I work are bad, don't know if it's a driver problem, some work like a charm, others aren't stable at all.
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