Bought my LG OLED in 2017, still going strong, no signs of burn in at all and it's been used almost every day, typically for multiple hours.
I did turn the OLED light down a lot after purchase, only just to get closer to standard SDR brightness. I still often watch HDR on full brightness with no ill effects.
Don't doubt burn in is an issue for some, but to be honest, I could not go back to a regular ol LCD at this stage for my main TV even knowing that. The picture quality still blows me away after all these years, especially where you have HDR content with pure deep blacks and highlights, as well as colour reproduction being really very good (with some tweaks) without any professional calibration.
One thing to bear in mind is if you like watching lots of Blu-ray Discs or movies in 24fps, you may find OLED a bit tricky due to the fast pixel response. 24fps does not feel smooth. You can eliminate this by using the motion interpolation, which I am a fan of, but it's not for everyone due to SOE (soap opera effect) and introduction of processing artefacts (at least on my 2017 set, not sure how good tech has got now).
If you can get one with an extended warranty against burn-in, it's a no-brainer in my opinion.