This is why they spec X7R/X5R and not Y5V. The last letter indicates allowable change over temperature and voltage. R is +/-15%
Noooo! The letter only indicates the temperature-related change. Voltage bias change can actually be rather horrible in X7R caps, too. It really depends on the cap, there is no general rule. Sometimes it's not specified at all, sometimes buried deep inside the datasheet.
Some X7R caps can lose up to 60-70% of their capacitance when operated correctly. Of course this is
a lot better than losing 90% which is the worst-case reality with Y5V.
But thinking that X7R is max -15% is a horrible mistake. Even the better ones go below that even before the full DC bias. 15% is more like a best-case scenario. For almost-the-worst-case, generally, X7R cap halving its capacity is a safe assumption. It's an easy rule-of-thumb to double the required capacitance in your mind.
It's usually related to the case size vs. capacitance&voltage: the better the deal seems to be (higher energy density), the farther from truth it is in real use.
ESR. For some reason, they seldom specify the ESR. I guess it's because the ceramic caps have the best ESR of any type, and you assume it 0. I have never heard about ESR-induced self-heating in ceramic caps, for example. Usually you are solving another kind of problems, like ESR too small. But sure, they
do have some ESR. I guess the ESL is much more important and limits the practical ripple current anyway to levels where ESR doesn't matter.
Edit: sorry, didn't notice this was a bumped old thread. Pretty sure everyone today knows these things better. Oh well, can't hurt saying again.