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It sounds like you're not really "damn near broke" if you can afford the $100 PSU so I would definitely get a $80ish 500w+ PSU if you're scared about wattage or efficiency. The Thermaltake 430w would be fine but I can understand if you want the PSU to be fully upgradeable with a new system. I still stand by the 550w Thermaltake or PC Power and Cooling PSUs I linked above.
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