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As for the capacitors within a switching power supply, if the working voltage is correct with proper design and good cooling then the problem with a steady input voltage and current the life of the capacitor will not be as short as you indicate. Sure some designs are poor, you get what you pay for.
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High frequencies generated by switch-mode power supplies can damage capacitors too. Wet or paste electrolyte capacitors can not handle high frequencies even the high frequency versions does not have enough resilience, so the shape of them may become irregular or the paste might ooze out. Even high quality manufactures will pick these capacitors. Since several motherboard manufactures moved towards solid electrolyte versions for their capacitors, the problem should be minimized. In this case of switch-mode power supply design, the high frequency limits of the capacitor also have to be known before using it in the design. I know this while designing loudspeakers. Electrolyte capacitors creates their own distortions after 10 KHz.
DVM or VOM (VOM is the correct technical name) can only be used if only the user knows the minimum and maximum voltage of the ATX specifications. Probing a computer is not always easy for some people. Probing at the ATX, AT/AUX, and P4/12VATX connector is not the only spot to get readings. The source or drain of the MOSFET should also be probed to make sure on-board power supply is working. Motherboards with DrMOS power MOSFET makes probing harder. A grounded strap is a must when doing this.
Heat may not be the problem. Dust can also generate static electricity from the air moving through it. If the humidity is just right, the dust can generate just enough static electricity to discharge towards electronic components. Other causes is small fractures from metal fatigue.
Antec power supplies are not good any more. Their quality is going down hill. I had a Antec power supply that sing because one of its capacitors have leaked. I changed it with a power supply from Seasonic. The efficiency, being noiseless, universal voltage, and active PFC, is compensated for the high price that I paid for it.