That's making the case (hoho) for buying a PSU that has bigger fans and better cooling, not a higher power rating. If you can say for sure that higher powered PSUs in the same series have better cooling/bigger fans then fine, but I don't know that's the situation. Take your the RM850 and imagine a RM600 with the same cooling and fan - it would generate even less heat/noise at your 350W load (but inconsequentially - as you show you're not going to hear the difference)
I guess it's hard to generalise - just have to read PSU reviews and see what they measure the noise at for your expected load.