People treat electrolytics more gently than their manufacturers intend. Voltage up to and even a bit beyond their rating doesn't bother them; you only need to l

People treat electrolytics more gently than their manufacturers intend. Voltage up to and even a bit beyond their rating doesn't bother them; you only need to leave margin for surges/spikes. If not for those, they are usually happy at 100% of rated voltage indefinitely. What kills them is heat. No matter what the source is, internal heating must be managed if they're going to live. (They might still live a very long time, if they're high-end ones.) That means designing carefully around ripple currents. Ceramics in parallel can work magic here.