They are not really overrated. If you change mobos on a 2-3-year refresh, you'll probably be fine with traditional caps. For most, however, non-gaming desktops could last 5-8 years. My quad-core Q9550 paired with a Gigabyte something-UD3R ('ultra durable' = solid caps) from 2008 is still working without fail. This was my gaming rig-turned video editing workstation.

I also have an Asrock mobo (solid caps) with quad-core Athlon II X4 630 as my media server running 24x7 for close to three years, also without issue. Prior to this, I was using P4 procs with Intel mobos as servers. They didn't last more than 18 months when run 24x7.