I too am using an of the shelf psu in this design. It's something that I took for granted until reading your post, thanks. I will be more selective now.
The trouble is, without lab testing, it's nigh on impossible to know just how much noise will come off your chosen PSU + product combination. As Neil has illustrated, it's the system as a whole which can give rise to spurious emissions, not just one component or the other in isolation.
The best advice I can offer is to get at least two, and preferably more, power supplies which will functionally work with your product, and take them all with you to the EMC lab. Do a quick scan with each one of them, and if your PSU emissions (generally a broad 'hump' in the plot between about 30-100 MHz) are anywhere near the limit, pick a different supply.
It's also well worth feeding back any EMC problems you have with a PSU to the supplier. Let them know why you can't use their product - it's the only way they'll know that they have to improve. I've generally found manufacturers more receptive to this feedback than I might have expected, and on more than one occasion the design of a supply has been modified as a result.