a) the Difference between Platinum and Titanium are negligable on the bill but cost 30-50€ more for the same unit
b) Fanless in general isn't that great as it has no fan and can overheat if you do your case ventilation wrong
c) there are better options than the Seasonic, as the Prime is known to have a not great fan for example...
d) Other options: be quiet Dark Power PRO P11, Corsair HX or HXi for example. Maybe Fractal Design Ion, Silverstone Strider Platinum.
All are on the quiet side, especially Dark Power PRO and Corsair HX(i), Silverstoen Strider Platinum is also good.
And why make it run 24/7 with THAT setup?? IF you want a fileserver, build one seperately as the difference between a "Game PC" with a powerful GPU and a dedicated, low power system is bigger than the difference of Gold <-> Titanium.
My 2400G idles around 20W on the MSI B450I Board for example.
On the ASUS X370-F its around 35-40W, so about double of the MSI. And with GPU and the 3700X I'm at over 60W (especially since that Board consumes a good amount of power more than the MSI).