PAYE re-certifying always the right move? And next steps.

I have $130k in loans on PAYE, $5k on IBR. My recertification has been pushed for awhile, have had and done $0 payments since 2023. This year my income has grown significantly. From what I understand, there is no downside to re-certifying? The maximum I would pay is the 10 year standard (how to calculate or figure this out?) in either case right? Is there any reason to re-certify if I believe my payment would be more than the 10 year standard payment?

The only thing I can think of is the interest capitalization protection. I have about $20k in unpaid interest. If I re-certify – that won't be capitalized and I'll just pay the 10year amount monthly. If I don't re-certify – that will get capitalized and i'll need to pay the 10year amount monthly anyway? Is that all?

Lastly, with the new changes is it correct to think to stay on PAYE until 2028 and re-evaluate what the plans look like then or is there something I'm missing with RAP interest subsidy?