“Ime, poor reasoning:-
. Capacitors have a limited life. When (not if) the capacitor you paid an extra ten bucks for (and ten bucks for a capacitor seems a lot) expires, you're going to throw away a fifty-buck reg./rec ...?”

I think you are on shaky ground here Stuart. Of course all electronic, electrical and mechanical devices have a limited lifetime (MTBF).

I suspect you are thinking particularly of historical capacitors used in magnetos and traditional condensers. They were relatively short-lived, because of the materials available/used at the time.

However the capacitors available today offer much longer lifetimes, even electrolytics, which is what I guess is used in this application.
Such capacitors are common in PC’s and other electronics that continue to work for decades.

Perhaps NickL or someone else may enlighten, but these caps tend to last longer when they are used, rather than sitting idle in a flat discharged circuit for long periods.