Tantalum caps have the bad habit to keep burning once they catch fire. Plus they are very expensive. I’ve used a combination of alu-elco’s and ceramic caps with good results.
When you design something you can learn from other people’s work. ( just take it apart ) When something is mass-produced, you can bet that a lot of effort was put into designing it. And you can always stay on the safe side instead of trying to find the limits of reliability.