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Redditor finds heavy block of iron shavings inside cheap PSU, also appears to lack safety protections
(www.tomshardware.com)
This is a most excellent place for technology news and articles.
Warranty is the biggest reason for a prebuilt. Anything goes wrong with it and you're not spending money on things to test and experiment with. You send it in, it comes back working.
You get warranty for parts too. Unless you meant warranty as a substitute for building know-how.
It's a convenience factor I think. Send the whole thing away and it comes back working. Opposed to having to find the faulting hardware and determining the type of fault and dealing with the vendor for that specific part in hopes that it's actually the issue.
I don't personally view that as a convenience but understand the sentiment. If my PSU died, or something similar, and I had to send my entire machine just to get it fixed, that translates into working downtime for me.
It's nice to just have some spare parts or your old parts to swap into temporarily while you rma the dead part. Of course, this assumes that you can do a bit of hardware troubleshooting (which I admit isn't something most laypeople can do).