Should I derate the DC voltage for ceramic capacitors, as I do for tantalums?
Ceramic capacitors have very high breakdown voltage in comparison to their rated voltage. This is due to the dielectric strength of their thick ceramic layers. Ceramic capacitors thus can withstand transients and over voltages that would damage an electrolytic capacitor, such as a tantalum. As a result, it is not necessary to derate the DC voltage for ceramics – you can operate at full nameplate voltage.