The answer is yes, surface mount Y caps are less robust than leaded components. I work in consumer electronics and we're talking about tens of thousands of PCBs. Anything over 50V rated is leaded, no arguement. Y caps are usually film in parallel with leaded disc ceramic, snubber caps are also leaded disc ceramic. There is a good reason for doing things this way, reliabillity.
Whilst on the subject of mlcc caps, I recently I used some mlcc caps for bulk storage on the auxilliary power for a flyback and it's just come back and bitten my arse. The capacitance under bias is not 20uF it's a lot less. If there is a short on the secondary side the flyback controller goes into hickup mode and the hickup timing is determined by the value of the aux supply smoothing cap.
If you've only got a few uF of capacitance then the supply hickups at 20Hz with 60% duty cycle and you got some seriously stressed devices. If the controller doesn't go into thermal shutdown then the flyback transformer runs at 75C above ambient continously !! Change the mlcc caps for a 22uF electrolytic and harmony is restored, hickup rate is a few Hz and the duty cycle is maybe 10%,
Lesson learnt, it came back and bit my arse.