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Nah, you can never have too much wattage. Remember that it only uses what your system draws from it and a little excess is very nice should you want to upgrade components in the future.
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Not completely true. PSUs are not 100% efficient in the power they consume. Most modern power supplies are between 70% and 89% efficient. The leftover percentage is power the PSU draws from the wall that is directly converted to heat and is wasted, hence the efficiency rating.
PSUs are less efficient when they are near their minimum and maximum output, with the optimal output being somewhere in the middle. So a PSU might be only 69% efficient when it is idle. This is where the total wattage of the PSU comes into play. A 750W PSU will be lower on the efficiency scale (drawing say 10/750 watts) than a 400W PSU (10/400). The difference here is negligible of course since were probably talking about maybe 3 or 4 watt of extra usage compared to a smaller PSU. It only really matters if you have your computer on day and night. Then those few extra watts can add up over time.
Anyway, the 80+ rating is more important since you really do want an efficient PSU. Though I doubt Wariopunk cares about the electric bill at this point, but I'm sure his parents do :P