You got the idea. The plates may be sitting at 350V WRT ground at idle, and the bias might be -60V on the other side so the voltage across the cap would be 350 - (-60) = 410V at idle. Then during transients you’ll see an additional 60V across the cap if you’re running at full power.
The film foil technology doesn’t help you here either, once the electric field breaks down the dielectric in even a tiny place you’re hosed. Metallized film caps have a self healing property where they can tolerate small areas that were broke down by the electric field