If kward's sim circuit was used with a 500V rated electrolytic, then the ripple current in the first 47uF cap would get close to max rated for a Nichicon UCY. For that particular filter configuration (low first C, and moderate load current), there is good benefit in using series caps - for cost, ripple current, and voltage margin.
Agree 100%. I use this tool and set the all current taps stepped, with full conductance after 10 seconds like the real world and which is enough for simulation.
Then you can visualise the voltage the caps takes: well you'll see often you max or exceed the max rated voltage for a couple of seconds, which is not that dangerous but will certainly shorten the life of the cap.
I now always avoid that situation when I design/restore something.


