For clarification, my build uses about 109 watts, but I can only find PSU's for 350 watts. Is using something like a 400 watt PSU ok, or would it be overkill, or would it (heaven forbid) destroy something with too much charge, or worse?
It's perfectly fine. The only thing bad that happens when you buy a PSU with excess wattage is that your wallet becomes emptier.
I could maybe imagine that massively overbuying a PSU could put you on a very bad part of the efficiency curve, but you'd have to be doing something like a 1500w PSU in a 100w build. Even then, nothing bad would happen except the PSU would waste a bit more electricity.
Power estimates are just guesses, so it's not a bad thing to have a PSU rated for a little bit more than the estimate shown.
You should at least select a 450 PSU regardless how low your builds power consumption is estimated for.
For the reason, that there aren't any decent PSUs with a rated wattage of 350 or 400.
And the most of them aren't good enough for the demands of a recent build.
Decent PSU's are having very good efficiency ratings, even with a build that does not consume more than 100 Watts!
So choosing such a PSU unit, wouldn't be a problem at all. :)
If your build will use around 109 watts, then any PSU above that is just fine. The PSU will only draw/use the power needed and won't ever provide "too much charge". So using a 350W or 400W PSU is just fine...it won't hurt anything at all, and you won't have any problems.
If you'd like more assurances, please share a little more info about the components of your build. I do partially agree with mark5916 that I don't typically recommend any PSUs below 450W ... but it does depend a lot on your specific build and what you're using it for. With only 109W, I'm assuming this is a machine basically for surfing the web and maybe some office automation applications.
PCPartPicker part list / Price breakdown by merchant
This is my Parts List. It's not really for just web surfing, but it's for low to mid end gaming.
Then, it should be fine, but a few things first.
-32 GB Ram, because I'll be playing Minecraft (that stuff needs way more than 6Gb ram to even work with mods), and also BeamNG (it needs quite a bit of RAM)
-The SSD's small, but I won't be having many games, mostly just Minecraft, and BeamNG Drive.
-I'm still working out the PSU
-Unfortunately, an Optical Drive is still needed a lot where I live in India, so I just added it in.
Still, you could improve your list
Yes. According to PCPartPicker, My build draws approximately 300-400 watts (But you can never completely trsut wattage estimators.) But the graphics card manual recommends to have a 650 watt power supply. I took the old 750 watt power supply from my old build and stuck it in.
GPU manufacturers always overestimates the PSU recommendation, because they don't know the remaining parts of your build.
So for being sure, they always suggests PSU units... that in the most cases are way over the real power consumption of the build in question.
You could just find out a good estimate about your build, by reading some reviews from your GPU in question, as that's the part that takes away the most wattage from your PSU, at full load. :)
I'll be using a Ryzen 5 2400g, so no discrete GPU needed..
Yeah, that makes your build to be compatible with any available PSU on the market.
But keep in mind to get a good quality PSU.
You buy a PSU unit only once (mostly), so a decent one should it be with at least 5 years of warranty.