OTOH such 10V part may happily take 50V without blowing up in any way, ever. It just loses even more capacitance under that bias.
MLCC voltage ratings are even more arbitrary than their capacitance ratings.
My preferred method, when large amount of capacitance is required, is to find a few candidates, then look up actual capacitance under the applied voltage, then sort for $/uF to get the best deal. Rated capacitance or rated voltage are neither very useful here, they just offer starting points for sorting/finding. A 2.2uF part might offer 90% of the capacitance of the 4.7uF part on the same series, at half the price. I.e., both are roughly 1uF actual.
Of course, if it's a professional job I won't use a part at higher than rated voltage; for a prototype, I might, and have used some 25V rated parts for 30-something volt buses.
With low-voltage MLCCs (like 25V and down), voltage derating is really not needed, if I have a 10V bus and a 10V part happens to offer good capacitance at 10V DC bias, I can use it, no need to go for a 16V part.