|I would never use a cheep power supply that came with a case, they are probably less reliable than just about anything else (if they have to give them away). Look for a power supply with a single 12volt rail and at least 80% efficient. If you have a video card (you did not say) or you may soon add one, make sure it has enough to power it as well (wattage and 12V amperage).|
You do not need 3 or more fans, you need one at the rear blowing out, if it makes you happy you can use one in the front blowing in but this is not needed. You do not need side fans messing up your through the case air flow (added turbulence).
Bench test means absolutely minimum connected to the motherboard.
Are you using the stock CPU fan? If an aftermarket fan, are you installing it properly with the correct amount of thermal compound?
List detailed specs so someone can tell you if something is not compatible.
You have to be a little bit crazy to keep you from going insane.