I know, but you have just concentrated some goldnuggets into a few lines. I have read half the book and half of Ammen now, 4 month of reading in the forum, but nevertheless I got not aware of, that plain HCl would dissolve Pd fairly easy, which is casting a new light on the preparation of e-scrap for me.
edit: In the case of smd ceramic capacitors, that would explain, why Pd will dissolve, if you wait too long - when all basemetals are dissolved, Pd cannot cement back anymore and won't stay in the solids.