In practice, 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.
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 licensed semaglutide and tirzepatide presentations carry in-use periods of several weeks at room temperature in their labelling, which is the closest thing to real stability data in this space — and it applies to a buffered, surfactant-containing, preservative-containing formulation, not to a reconstituted research vial.
The limitation is that you cannot detect slow aggregation by eye until it is well advanced, so a clear vial is weak evidence of an intact one.
If the material arrived warm and it was lyophilised, test it and proceed on the result. If it arrived warm and it was in solution, the result is more likely to be interesting than reassuring.