Start by separating chemical degradation from physical degradation, because they fail differently and they are detected differently. Chemical degradation changes the molecule and shows up as new peaks on a chromatogram. Physical degradation aggregates the molecule and often shows up as nothing at all on reverse-phase HPLC, because the aggregate never makes it onto the column.
Freeze-concentration is the mechanism people miss. As ice forms, everything that is not water is excluded into a shrinking unfrozen fraction, so the local concentration of peptide, buffer salts and preservative rises sharply. If the buffer components crystallise at different rates, local pH can shift by more than a unit. That is why a phosphate-buffered solution can behave badly on freezing while an unbuffered one is fine.
The 28-day figure for a reconstituted preserved vial is microbiological, not chemical. Chemically, a well-behaved peptide at 5 mg/mL at 4 °C will typically lose well under a per cent of content per month. The reason to respect the date is bioburden, and bioburden is a function of how many times you have opened it, not of the calendar.
The Arrhenius relationship underpinning accelerated stability testing is the basis of ICH Q1A, which is why accelerated studies at 40 °C and 75 per cent relative humidity are used to predict shelf life at 25 °C. The same relationship lets you reason about a warm transit lane, with the same caveats about extrapolation.
Worth stating: research-use-only material has no stability programme behind it at all, so any beyond-use date you apply is your own construct.
The practical rule is that time and temperature multiply, so shorten whichever one you control.
edited 10 Dec 2024 by cake_collapsed — added the method parameters