I mean, for recent generations of hardware that’s pretty excessive unless you have put in a considerable amount of cooling. Otherwise, if you’re doing that to a part that’s been rated for 95 degrees for example, which many current CPUs are, you’re most likely just loosing out on value by not having picked a lower tier part that already runs cooler by design in the first place.
Generally, thermal stress, caused by frequent heating/cooling cycles also causes far more damage to hardware parts than sustained heat.
So I usually swap my GPU every other generation after ~5 years or so, CPUs less frequently, but I always give the old parts to friends, family or colleagues and I Haven’t heard of a single defect yet. So yeah, I just don’t believe that heat related failure is something I should have to care about at all. Instead, I’d rather optimize my cooling capacity towards silent operation.
Other than that, the throttling limit already is the throttling limit where the hardware operates well at, not the limit which at which the lifespan gets noticeably affected. Those are much higher. This isn’t like hardware from 20 years ago anymore.