The lyophilised solid is far more robust than anything anyone says about it, and the solution is far less robust. Most of the confusion in this area comes from advice about one being applied to the other.
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.
Aggregation is the failure mode that reverse-phase HPLC is worst at detecting, because a large soluble aggregate may not elute at all and an insoluble one is filtered out during sample preparation. If your purity result comes back normal but the vial looks hazy, believe the vial. Size-exclusion chromatography is the method that sees this.
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.