People don’t tend to keep phones for more than few years. On the other hand, I have LCD computer monitors that I still use over a decade later.
What really kills OLED displays is persistent static elements. These are common for desktop usage: persistent taskbar/dock, desktop wallpaper, window buttons, tiling, GUI elements and HUDs in gaming. All of these things significantly increase the chance of getting burn-in within a few years.
OLED fanatics suggest it’s all user fault, that people should just use a solid black background for their desktop wallpaper (ugly), have a auto-hiding taskbar (inconvenient) and limit time spent on programs/games (really). Basically rather than using the computer the way you want, you have to carefully handle it like an egg. An expensive egg at that, since OLED displays are still ridiculously overpriced (often costing more than equivalent TVs).