Hi Sparky,
Didn't mean to start an argument nor question your abilities, sorry. Counting those years in HS/college I've only been doing this about 40 years, and most of that was/is not in audio (high-speed data converters and related ICs, GHz stuff). I should note that I tend to read the content of a post, only noticing the poster after. I treat everyone pretty much the same, for better or worse. I think you may have mis-interpreted my stating my experiences as placing yours into question; not my intent by any means.
Most of my early work was on TVs and some test equipment and that is where I saw by far the most cap (and most everything else) failures. As to what caused failures, it was usually pretty obvious, generally age, heat, and high voltage. In some cases decoupling caps would die when the big electrolytics failed and placed exorbitant ripple current on them. Flybacks would arc and put surge current through the ceramic flywheel caps. Tubes would arc and blow coupling caps. Some of those old tube sets were 10+ years old and had seen better days. The smaller caps tended to be mylar and ceramic, with a few teflon/poly types (I saw more of the latter in instruments like 'scopes and spectrum/network analyzers). As the sets went more SS, modular, and down-sized components, design margins were relaxed and failures increased. Of course, catastrophic failure in other things could blow the caps, e.g. an open snubber diode could put 20 - 30 kV across that 5 kV cap on the low leg of the plate circuit. And so forth and so on. To be clear, most of the time the problem was not a small capacitor failure but something else.
In the hi-fi world, by and large the smaller capacitors were under far less stress and I saw far fewer failures, though there were a few. The really nasty trouble-shooting dogs were not the blown components (caps or otherwise), it was the sneaky little things... One of my most painful memories is finding a bad (leaky) coupling cap in a Denon reference preamp. Finding the problem when everything went to heck was easy; when the problem was 0.05% THD instead of 0.005%, things got ugly!
I worked in the gov't world (for contractors, not direct) for most of my career and there were numerous publications on the reliability and lifetime of everything, including caps. Unfortunately I no longer have ready access to those standards. In the RF world, and particularly in amps, cap failure is a given at times. Companies like ATC (American Technical Ceramics) made their reps on better, lower-loss, more reliable RF coupling caps, starting with bigger ceramic models.
All I can say is I am sorry. I was not in any way questioning your credibility, but rather presenting a (my) different background and set of experiences.
Hope that helps - Don