Well it may be true that the psu's are low price, but it doesn' t mean they are cheap quality. Having built more than 30 computers from TD and working with different brands such as Logisys, Coolermaster, thermaltake, and even diablotek, I never had a burnt psu or low quality output from them, Of course its not a Corsair, or PCPS, but those are for high end gaming machines. THe PSU's they include are enough for the components of the barebone and then some more.
I agree MSI h61 may not be overclockable, but you can set it to run turbo on all core all the time. which may qualify as an overclock of 400mhz. Not that much, but i5 is already a very very fast chip as stock speeds.