The underlying point is that degradation is not one process, and which one dominates depends on the condition you are asking about. In solution at refrigerated temperature the rate-limiting pathway is usually deamidation and hydrolysis; at room temperature aggregation overtakes them; frozen, the damage happens during the transitions rather than during the hold.
Adsorption to the container is a real loss at low concentration. For a peptide at 0.1 mg/mL in an untreated glass vial, single-digit percentage losses to the wall are plausible; at 5 mg/mL it is negligible. This is one of several reasons not to reconstitute to a very dilute working solution and store it.
More usefully, the 28-day figure for a reconstituted preserved vial is microbiological, not chemical. Chemically, a well-behaved peptide at 5 mg/mL at 4 °C will typically lose well under a per cent of content per month. The reason to respect the date is bioburden, and bioburden is a function of how many times you have opened it, not of the calendar.
The Arrhenius relationship underpinning accelerated stability testing is the basis of ICH Q1A, which is why accelerated studies at 40 °C and 75 per cent relative humidity are used to predict shelf life at 25 °C. The same relationship lets you reason about a warm transit lane, with the same caveats about extrapolation.
Store solid, store cold, store dry, and reconstitute what you will use rather than what fits in the vial.