Actually it's different for every single psu, some are uber efficient at low loads, and some are more efficient at higher temps and so on.
Generalizations like 50% and 80% are wrong.
however all PSU efficiency diminish as the caps get old.
I just felt like making a Generalized factual comment haha... MORE FANS!
here is another all PSU's that go up in smoke tend to have lower efficiencies