I would not down convert from a 48v PS to 12v. Finding high quality, high amperage buck converters would cost as much as just buying a good switching PS or even a linear PS for 12v. I have a setup similar to what you describe, it sits in the corner of my garage. I use an astron 35m PS. I got it in a trade, and it was a good deal. Keep your eyes open, then come up used often. I have so much RFI at my QTH (from both my home, and from my neighbors homes), so even if a PS does put out noise, its not likely i'd even be able to tell it apart from all the other noise. With a computer rack and servers, I think you may see quite a bit of RFI from them.
To give you some data, my HL2 and PA-100D running at full tilt pulls about 22A. I don't usually run it that high, my shack at home is for very casual operation, digital modes, and testing stuff for eventually being used in the field (POTA SOTA etc).
-Heath