All components have problems. Different components have different problems.I thank you for the formula and the info. It is evident that ceramic is what is needed here. ive updated the project to 0805 style SMDs

High capacitance ceramic capacitors have a problem that their capacitance reduces with the voltage. It is worth checking the data sheet to see how much they reduce. I suspect that 22 uF 35 V 0805 capacitors will have much less than 22 uF if 35 V is applied.