Modern OLED displays have come a long way and are far more durable. Modern panels are less receptive to image retention, and other features like Pixel Cleaning help ensure longevity. However, that does not mean they are totally immune, and if you abuse your display, you can still get permanent burn in. It's important to take precautions and avoid leaving static images on screen for prolonged periods of time. Even things like desktop icons, if left on long enough, can irreversibly damage the display. If you want perfect contrast or some of the best gaming displays on the market, OLED is an outstanding, albeit, expensive, choice, just ensure it's taken care of.
As far as software, your OLED will regularly run "Pixel Cleaning" on the panel, which will adjust the amount of current each pixel receives to ensure an even and clean image. If you're using an OLED panel for your PC, software like
Wallpaper Engine may be useful. This allows you to pick from tens of thousands of dynamic images to set as your Windows PC background, as opposed to one static image. Additionally, not maxing the brightness of the panel and allowing it to shut down when not in use will all serve to prolong its life.