If you get spend a little more for a quality PSU, it will last through all of your other upgrades. It's really one of the few things that can be totally useful even after changing out your motherboard for the third time with that new chipset required by your next cpu.
That is a certification of efficiency but does not take into account quality of cooling (fan bearing, design in component placement, control etc), especially important in SFF, or of assembly of components. If cost is really such an important factor, I would consider a larger form factor where constraints would not be so costly. It would at least be easier to build a quiet machine when fans can be larger and run a lower RPMs with adequate room to route cabling and facilitate ventilation.
That's why I'm asking, someone here might be familiar with one or another, the thing is I need (like feel existential need๐) to swap my current PSU which is ATX (rather loud but ok otherwise) as a gradual move to SFF, my SAMA IM01 case is already (kinda) small at 22L, it supports both ITX and mATX motherboards and ATX/SFX PSUs, ITX board would come in the future with a platform swap as my current AM4 one seems solid enough
As for a PSU Cooler Master SFX ones seem to be nice but are like ~$20 more expensive than those I mentioned above (here in Poland) and people still say those are rather loud too
Corsair SF Series, SF750 is the one I bought for my build and it's been very quiet with a 0 RPM mode on most of the time I use the PC. Flexible "para cord" sleeved cables are very nice as well. I've had it just over a year without issue, but that's not a long time for a PSU.