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I don't think there would be much increase in insulation thickness, most wiring is already specced for well above 12V (just because the cheapest materials handle more, so why spend more money to develop a less effective insulation?). But more than wiring, raising the voltage to reduce the current and I^2R losses means you can run more power over existing traces. 12V PCIe power over card-edge is 75W, upping to 48V gives you 300W to play with without needing to dramatically beef up traces or connectors. Being able to eliminate some or all of the internal point-to-point wiring in a system reduces part and assembly costs, which could offset some of the cost increase of more robust VRM filtering stages.