General purpose elcap series do not typically report ripple current rating at 100kHz, only at 120Hz, but if it is rated/simulated/measured @ 100kHz, it tends to be roughly half of the ripple current rating of a similar sized "low ESR" type.
Given that even the low ESR types tend to be quite stressed in SMPS circuits, replacing with one with only half the ripple rating, the result seldom lasts very long.
But of course, no one says an SMPS design must use a type labelled as "low ESR". One with high enough ripple current rating is obviously enough. Similarly, you don't actually shop for a "low noise opamp" or a "high performance DSP", instead you buy one with the numbers you need.
Ripple current rating and ESR of course go hand-in-hand. Given same I_ripple, lower ESR means less internal heating. Other parameters affecting this is the surface area of the capacitor, internal heat conduction from the core of the capacitor to the outer sleeve, and the details of the electrolyte, how quickly a certain temperature degrades it.
Ripple current rating exists solely so that you don't need to understand the internals of the capacitor, model the heating and then try to find out how much ripple current you can put through it. Just look at the table and you are given the number you need for your design, directly. This is handy.
Low ESR types are easily available in 5000-8000 hour ratings @ 105degC, this specification is actually the ambient temperature (around the capacitor, not around the complete device) and at rated ripple current. It follows, it's fairly easy to derate the operating temperature and/or ripple current so that 5000 hours becomes 50000 hours. The practice of derating is widely understood and known and supported by documents from the capacitor manufacturers, so a 5000 hour rating does not mean the capacitor is actually supposed to only last for 5000 hours, not at all. Like always in engineering, you need to know what the numbers mean.
"Repair people" tend to have strong biases. In reality, repair is a tiny tiny business compared to manufacturing new units to replace broken stuff. If you and your friends like to repair your broken devices, you are missing the 100000 average Joes who just ditch them.