Power supplies are like those pinch hitters on baseball teams. When they do something right or are doing their job well no one says anything cause that's what they're supposed to do. It's only when they **** up that people notice them. There's no point in buying anything else if you are gonna stick with a cheap power supply. All that money you pump into mobos, video cards, sound cards, and everything else could go down the tube in an instant. Spend the extra money and buy a good power supply. If that means you have to wait an extra week or two to get the extra money, don't worry. You obviously have a computer now (since you are posting on this message board), so what is another week or two gonna really hurt.
P.S. I got a generic PS with a case and ti was a 20 pin, so I would say it is probably a 20 pin.