I always get the highest end components I can find, and I try to stick with Asus and not the cheapest PSU. I've never had anything fail, and I do this every 5 years or so. I hate having to put the fan on the CPU after sticking that in the motherboard, and the cabling is always annoying (although 5x less annoying than it was in the days of IDE and SCSI ribbon cables).
Do you trust the brand and models of the gear you're buying? Use Newegg for reviews even if you buy from Amazon?