the power supply rating is what the maximum power it can safely put out. that does not mean that it puts out that much power all the time. the power supply can't push out current. the current has to be pulled out by your components. so if you have a 750w power supply and you are using a nice new amd fusion mobo, you'll only be PULLING about 35w from the power supply.
understand?
as for how quiet it is, that is up to the quality of the fans used in it. i haven't looked, but maybe you can find a power supply that has it's own fan controller? i know i had one that had a knob to adjust fan speed, but i don't know if there are any "smart" power supplies that can do that on their own.
i've found power supply calculators on line that can help you determine your power needs so you don't have to waste money on buying an overly large PS.
just found this one on newegg. looks simple to use.
http://educations.newegg.com/tool/psucalc/index.html