Old wives tales. The "PSU dying and taking components with it" has not been true in literally decades. Even the cheapest of cheap PSU's sold today have basic overcurrent/overvoltage protection. If your PSU dies it will be with a small pop and thats it, no burning bodies and smoke like the PSU companies would like you to believe (i assume thats how that nonsense started, or just carried over from the years past when cheap PSU's could actually do this).