Were is the 0.144w?
Capacitor averaging 24.969W and this is constant charging.
You are including the power that is getting stored inside the capacitors capacitance. This is where most of the power goes hence why you see a significantly larger figure. To get the power dissipated inside ESR you need to add the ESR externally as a resistor and then measure the power on that, this is the power that goes to heat, the rest is stored.
Also to get the matching results for that equation a current source should be used to charge it.
And yes this internal heating is going to be thousands of times higher in power during discharge, but at least short lasting so it wouldn't cook a capacitor, but might damage any sensitive internal structures where hotspots possibly develop.