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Re: ripped out usb lead with computer on
being an ex-repair tech I'd doubt very much that even shorting out the 5v supply (which the usb uses) would damage the PSU unless it was a really cheap and nasty one. Most PSU's have short circuit protection on them.
As already stated USB is hot swappable (look at the port and you'll see that two of the pins connect first as you push in the plug that way settling down the voltage spike before the data ports are connected) and are designed to plug in/out when the power is on....
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