And even then, there's no reason such a rectifier module couldn't be a pluggable module. They still last 10~20 years, easily.
I don't see what all those low voltage rails should be for. Computers typically work fine on 300~350 V DC, and if anything, there is reason to go from 12 V to a higher supply bus voltage, actually deployed in some modular servers by now (with a 48 V bus between the local battery backup modules, AC-fed supplies, and motherboards).