Accepted answer
Start by separating chemical degradation from physical degradation, because they fail differently and they are detected differently. Chemical degradation changes the molecule and shows up as new peaks on a chromatogram. Physical degradation aggregates the molecule and often shows up as nothing at all on reverse-phase HPLC, because the aggregate never makes it onto the column.
Freeze-concentration is the mechanism people miss. As ice forms, everything that is not water is excluded into a shrinking unfrozen fraction, so the local concentration of peptide, buffer salts and preservative rises sharply. If the buffer components crystallise at different rates, local pH can shift by more than a unit. That is why a phosphate-buffered solution can behave badly on freezing while an unbuffered one is fine.
Practical thermal arithmetic for a shipment: a single 250 g phase-change pack in a thin-walled polystyrene box holds sub-ten-degrees for roughly 24 to 48 hours in a 25 °C ambient, and considerably less at 35 °C. Any lane taking eight to fourteen days is therefore not temperature-controlled for most of its duration regardless of what was in the box, which is the argument for shipping the material lyophilised.
The licensed semaglutide and tirzepatide presentations carry in-use periods of several weeks at room temperature in their labelling, which is the closest thing to real stability data in this space — and it applies to a buffered, surfactant-containing, preservative-containing formulation, not to a reconstituted research vial.
The limitation is that you cannot detect slow aggregation by eye until it is well advanced, so a clear vial is weak evidence of an intact one.
The single highest-value change most people can make is buying a cheap logging thermometer, because it converts an assumption about their storage into a record.