This is not a bad idea. Having a power supply that is rated much higher than the ‘requirement’ may very slightly reduce your power efficiency, but it will be negligible and give you space to expand later if you want.
The only real question in that scenario is how much you are willing to spend on the power supply. If your budget is tight and you are worried about saving every dollar, then a lower rated power supply will save you money on the initial build. But if you don’t mind spending the extra money, then a more powerful supply will give you peace of mind as your computer ages or you add more hardware.
I personally went with a EVGA SuperNOVA 1300 G2 80+ GOLD power supply because that was my personal cut-off for pricing. It cost me around 280$ when I bought it, current price is around 250$. - turned out I really needed that much power for my system so i’m happy I did it.
(in case you are curious, here’s a link to my build - expand the window to get all the gory details if you wish)