it still could be a PSU problem, it doesn't matter how many PSUs you have tried, the fact is they are all garbage units and are just as bad as the ones before it.
you should never be cheap when it comes to power supplies, it may not be the most expensive part, but it
is the most important component in your entire system. the reason being that it effects the performance of everything else in your system (except monitor), and it can fry everything else in your system if it goes.
as pointed out before, the wattage rating on a cheap PSU means nothing because it will never produce what it says under normal circumstances and they have insufficient protection if any at all. they will not produce stable voltage and constant current. the current that they can provide will be mostly on the 3v and 5v rails where it is not needed, the 12v rail is the most important in any modern system and this is where cheap PSUs lack the most.
chances are that you have already spent more money on garbage PSUs than you would have spent on 1 quality unit that would not blow out smoke. quality PSUs have protection that will shut it down before it ever gets to the point of blowing out puffs of smoke. it's because they are cheap pieces of crap that they keep dying on you.
you do not have a power hungry system, you have an average system, any good brand PSU with 350watts or more will be sufficient for your needs.
here is a good link on quality power supplies, and they have some in all price ranges.
good luck