You could always adapt a PSU to work, but you have to do all kinds of work to it. A bench PS has terminals already, an on/off switch, and usually has steadier power than a PSU. Like, a bench PS will not have a 3,3V line or any of the crap that PC PSUs do, it'll be just one voltage, probably adjustable and very very clean, with a pretty high load limit. A PS pushing 50 real amps into 12V is normal, and it can do it all day long.
But if you're going to be building things to go in your PC, a PSU will probably work just fine as the voltages match. They're still harder to work with, tho. Then again, they are a LOT cheaper. If all you need is some 12V to play with your fans, a PC PSU will work just fine.