Vince, as far as answering your orginal question, does your antenna
configuration cause caps to fail in the filters in your xcvr, the
answer should be no. If the tuner can achieve a match, or the antenna
system presents a good match, as you indicate it does on 40M, then
everything should be fine.
The filters are between the PA and the tuner. If the tuner does its
job, then the filters and its components should be happy. As I
mentioned, during the tuning process, the filters may get stressed.
Gary N4AST