Every moment the pixel is turned on , it wears. That's the nature of OLED self-emission. There is no reset.
If you set the oled peak white to ~100 nits, the burn-in is negligible. You can run it 3-5 years, you won't notice any significant dimming.
If you use the oled during the day, with the room's windows wide open, you're going to need to set it to 200-400nits. This is where the most wear can occur. Because desktop elements (even if they're not white), could max out the SUB-Pixels.
Each pixel is White, red, green, blue. If you have a red button that's always shown in the same spot, that button could be nearly maxing out the red subpixel. Over time, If you displayed a full field red pattern, you'll get a small dark spot where the UI element was cast .
OVERALL, I wouldn't worry, if we assume they improve OLED technology meaningfully every 3-5 years. You'll just buy a new one in 5 years. You won't really notice the wear spot during normal use unless you look for it using a full field color pattern.
In the spirit of avoiding Unnecessary wear, dim the room, set panel peak white to ~100nits, and it'll never let you down.
If you prefer bright daylight sun. Then go full bore. whatever you'll just buy a new one.