It's sitting at 400 MHz, and saw server type 24/7 usage for the better part of 4 years, although admittedly it wasn't running heavy cpu usage like rendering etc, mainly Irc chat rooms with included bots. Plus the occasional bout of gaming with balders gate and starwars XvT.
Be that as it may, in almost 30 years of messing around with pc's, amateur and professional, I've not once come across a cpu that has died of old age before the supporting mobo, any dead cpus being the result of mobo or psu failure or one really confusing hdd failure.
Some of what you say is true about OC, but it's not related to speed as such, but voltage. Cpus are set at their lifespan expectancy at stock voltage. If this voltage is 1.25v for normal turbo operation, and like my i5 3570k you bump speeds from 3.4GHz to 4.3GHz but lower voltage from 1.25 to 1.114v you'll actually increase life expectancy by lowering the voltage bleed. Even setting a 4790k's 4 cores at 4.4GHz (single core turbo speed) may not do a thing as voltages will most likely be lowered from factory default. 5.0GHz (good luck with that happening) yes, voltages will be higher than default, so the voltage bleed will deteriorate the Silicon at a faster pace.