CX400 is a trimmed down version of VX450. Corsair could have rated VX450 as a 500w unit easily and CX400 as a 450w unit easily again. Good companies prefer to underrate their PSUs instead of overrating them.
This however doesn't mean that you should overload PSUs from good companies.
FSP Saga II 500w will give you for what it is labelled i.e. 500w.
Lastly, efficiency decreases with increase in temperature. A PSU rated at 50 degree C is better than a PSU rated at 25 degree C. (CX400 vs CX430) Not saying that CX430 is not reliable, the thing is CX400 is better.
I guess the OP has purchased his PSU. I'm locking this thread hence.