Whatever the refrigerated figure is, divide it by about 0.9. 4 °C is the condition the rule of thumb is anchored to, so it is the baseline rather than a multiplier: everything else in this thread is quoted relative to it. So a preparation with a twenty-eight day refrigerated figure has roughly 30 days at 4 °C on the same assumption — an order-of-magnitude answer, not a shelf life, and it says nothing about sterility, which has its own clock. "Within specification" also needs a specification: purity, content, or both, and at what limit. Without that the question has no numerical answer at all.
The relevant point is that a mass shift of plus one dalton is deamidation and plus sixteen is oxidation, so degradation is often visible in a mass spectrum if anyone looks.
Deamidation converts asparagine or glutamine to the corresponding acid via a succinimide intermediate, adding one dalton. It is base-catalysed, accelerates above neutral pH and is the dominant aqueous pathway for many peptides.
Adsorption onto glass and plastic is significant at low concentrations — micrograms per millilitre — and negligible at milligrams per millilitre. It is the usual explanation for an apparent loss in a dilute preparation.
The caveat is that none of these pathways can be seen by looking at a vial, and a clear solution can be substantially degraded.
At dilute concentrations, suspect adsorption before you suspect chemistry.