Over 5% is unacceptable. Four point four five percent is not great by any stretch, but is within spec, which means any attached parts should be happy with it. Compared to other units, it may be poor, but if that's the chief complaint about this unit, and the caps aren't croakers, it might belong (however grudgingly) on Tier-3. Tier-4 units, to me, are those which do indeed wander out of spec when stressed, or die early because of inferior parts. Two differences between Tier-4 and Tier-5 are that 1) Tier-4 units, when they die, are content to die alone because they have working protection circuits, and 2) It is conceivable, at least on a good day, that Tier-4 units are good for their labels (although they may derate on an "average" day).