Dumb Cap Substitution Question

85 degrees is a relatively low temperature actually. Most caps I buy are rated life at 105c, sometimes 125c. That is because capacitors can be used in a product that can get hot inside. 20c is already low because most ambient temperatures will be higher than that. Count in nearby components, self heating, etc...

When used as coupling caps? Likely not gonna die heat death. But not all of these caps are used in a place with lack of heat generation.
 
Please read and apply the datasheet 🙂

That said, I expect 20 C (you should live near Arctic conditions to have that temperature inside an amp by the way, I would rather expect 30 to 40 C inside the case) and with half the voltage rating or less applied I would expect them to exceed shelf life, go figure.

Given that damage comes from an exponential function of temperature and 85 C is *maximum* guaranteed, and it works both ways (so lower temperatures are exponentially better) , I would not be surprised at 5000-10000 hour life under such mild conditions.