PSUs tend to be the area that is skimped on by mfrs. The CPU is only available from one source, but the PSU market is very competitive - just look around - you can by a 500W PSU from between £20 and £100 - which one is a mfr going to use to keeo his end product competitive - which one is more likely to give problems.
I would have said that having 5 fail is unlikely, but as you say you have built over 40 atht is a 12 1/2% failure rate - although strange that they have all happened to you.
Is your mains power supply unreliable, suffering from brownouts or surges? (You said you use surge protection - but they won't protect against small surges (and
IMHO, they are pretty much a waste of money) which could affect a (cheap) psu.
Putting a good chip in a suspect machine is not a good idea (putting the suspect chip in a good machine would be better).
If the mobo is special to type, and built down to a price (most are - some more than others) then a component on that could have failed -and that failure could also be PSU related.
Agent's experience should not be discounted - nor indeed the evidence that is elsewhere on Google. They don't seem to be the most reliable pieces of kit