Hi Tony,
You must understand I am human lacking any sort of qualification in this stuff. To understand these attributes I need a picture in my head, a context - throwing "voltage 180 deg and closed loop" at me wont help!
I'm reading this and beginning to consolidate my understanding, I assumed for the graph Z the lower point was better when it's the inverse. Hence when you said 500Hz is close to the SRF there is a lack of capacitance. Now it makes sense. On this resource there's also a comparison with an equal electrolytic which shows how the SRF is much higher.
https://www.murata.com/en-eu/products/emiconfun/capacitor/2013/02/14/en-20130214-p3. This matches what I'm seeing under lab testing.
My overall objective is performance (today and long term, in 10-25 years time, hence electrolytic avoidance) within minimal space constraints (hence electrolytic avoidance!). Cost is a distant second. I already have 1,000 built PCB's and they work very well in application. It is only when lab testing with mains frequency that this high voltage drop at high load becomes apparent. During application testing (200Hz AC) there is no problem at all.
Andrew