In the most cases the capacitance is lower. So lower tolerance the best
Sure, but it depends what value you really want. When I do breadboard stuff I put a few smaller caps in parallel and try to optimize the frequency response curve before deciding what nominal value cap (or combination of caps) I end up using. If you use 0805 or smaller, stacking 2 or 3 in parallel isn't a big issue for space inside the shell. So a 20% tolerance (agree it is usually -20%) on 22uf is no big deal if you can just add a 4.7uf to it bring it back up.
My experience with 20% 100uf 0805 caps is they averaged 70-75uf, but after soldering to them it was 85 with less variation than before soldering.