Gear up ...
Unless you plan to get top end CPUs which can draw 250W (i9 13900K or i7 13700K), I don't see 650W being an issue.Brother they are unable to get their hands on MSI or XPG PSU, I've been waiting from a week.
That shop only assembled my PC and they give good prices so I'd prefer buying from there only.
If I only upgrade my CPU+mobo later on do i need a 750W PSU? I might also add a few hdds and ssds but that's all.