This isn't a very polite way of starting a discussing, is it?
No ?
Ok - so you actually meant to say that I worded myself incorrectly? I should probably have used the term reactive effect - but what I wrote is meant for somebody not familiar with electrical terms. Meaning if I remove the term "load" and replace with "reactive effect" or "RMS current" my statement is correct! That's for nit picking on the terms.
So - here you admit you understand that the caps must be connected in parallel to each other. Seem to me you still holding strong on the wrong idea. If you're adamant I'm wrong, then please do a proper attempt to show this, instead of an half hearten attempt to insult me for pointing out the wrongs and wording your explanations in such a way to obscure any meaning for a person that hasn't an electrical background...
This is a forum where the majority of user doesn't have a background as electrical engineers, so please have that in mind when explaining the hows and why. You are in your full right to point out factual fault, but it's also good to be open minded because perhaps you can learn a thing or two yourself when discussing things.
Ok - me first - Open minded : I haven't actually had a look on the particular schematic for OP's motherboard and I assume I wouldn't get access to it either, even if I asked the manufacturer politely. So I give you this : You may be correct when you claims there is no SMPS on the motherboard.
But - this is nit picking in my opinion and doesn't applies any changes to the underlying physic rules for electrical circuits.
Ok - I'm a nice guy so I give you one more. Lack of capacitance on output stage on SMPS power supplies may actually cause the voltage to rise and thus cause some components to inadvertly draw more power. But then again, that is not the main problem, because the high frequensy noise on the dc voltage is most probably the main part on causing unstability on those components that is being feeded by the supply. This depends on the design for each components.