FWIW, most PC supplies are ~75-85% efficient at mid-load and ~60-75% efficient at full load. It's pretty pathetic. There's an "80+" initiative that you can look for the logo on the box of a supply. That, in theory, means that the supply is at least 80% efficient at near full load. Some of these can top 90% at mid-load. Remember that if you don't have it fully loaded, it won't draw the nameplate current. It'll just draw what it needs to power the PC plus any losses in the PSU.
The nameplate logo usually does NOT include any inrush, believe it or not. Inrush on most cheap PC supplies can be on the order of 50-100A (no kidding!). It's just short enough to not trip your breaker.
I generally would not recommend actually running a PC supply at more than 80% of its stated capacity. They're usually just not actually designed for it. Most cheapies aren't even capable of much more than 60% of stated output capacity for more than a few minutes. Some REALLY cheap supplies are even rated in INPUT, not output, meaning that the "850W" rating means that you can (maybe) safely pull 850W from the wall, not deliver it to the load. Fortunately, most PCs don't actually need more than ~250-300W of DC power. People have been conditioned to buy really big PC supplies due to this overrating activity that goes on.
As for wall voltage, it does vary. Most places I've checked in the USA run between 115-120V circuit unloaded, which is generally accepted as the norm in the USA. I have a friend who's house runs a little high at ~123V, and some older dwellings are at more like 110V. USA wall voltage is "supposed" to be 120V but can be as high as 125V. 100V is considered very low in the USA, but Japan still runs 100V for some reason. If your wall voltage is 100V, you should have the power company turn it up some; they can do that. Europe has standardized on 230, IIRC. The rest of the world just picks something - usually 220-240V or 110-120V, and it's usually a "nice" number, but there is of course local variability which includes not just what the power company actually delivers but how loaded the circuit is.