If your GPU is not running at maximum usually means that your framerates is lock at certain level. Often through in-game or your graphic control panel limiter or V-sync.
I have the exact same board, and exact same SSD. I put it in the bottom one because style points. I have a 2080 super, and there's zero issues with the temp, and this bohemoth covers the chipset fan too
Not sure of PCWorld's rep, but this article seemed legitimate to me:
https://www.pcworld.com/article/3527873/asus-blames-amd-guidelines-for-high-rog-strix-radeon-rx-5700-temperatures-announces-fix.html
It definitely specifies heat issues on the initial run of Strix 5700 XT cards, due to improperly tightened mounting screws, an issue which, by my understanding, has been rectified in more recently produced cards - see photo 7 in this build here:
https://pcpartpicker.com/b/wnsZxr
The builder mentions the addition of "springloaded" screws, which you can see in that photo.
As for power requirements, your build is similar to one I've been considering (I'm also waffling on the Strix X570 or TUF X570), and pcpartpicker.com's system builder gives a 424W estimate for this comparable build:
Component Estimated Wattage
AMD Ryzen 5 3600X 3.8 GHz 6-Core Processor 11W - 95W
Cooler Master Hyper 212 EVO 82.9 CFM Sleeve Bearing CPU Cooler 5W - 10W
Asus ROG Strix X570-E Gaming ATX AM4 Motherboard 17W - 70W
Corsair Vengeance LPX 16 GB (2 x 8 GB) DDR4-3200 Memory 14W
Samsung 970 Evo Plus 500 GB M.2-2280 NVME Solid State Drive 2W - 10W
Asus Radeon RX 5700 XT 8 GB STRIX Gaming OC Video Card 56W - 225W
Total: 424W
So, I can't tell you for certain, but it seems by those estimates that the 650W should have headroom enough for the build you're considering. Seeing the estimates had me pull my planned PSU down from a 750W to a 650W. I can't speak to the ASUS PSU reliability.