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.
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.
Light matters for specific residues rather than in general. Tryptophan and to a lesser extent tyrosine and methionine are photo-labile; a sequence without them is largely indifferent to ambient light over the timescales in question. Amber glass is cheap insurance rather than a requirement.
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.
I would be careful about generalising across sequences. Stability is sequence-specific, and a rule derived from semaglutide will not transfer cleanly to a tri-agonist with different residues in different local environments.
Minimise transitions rather than minimising temperature. One freeze and one thaw is fine; five is a different question.