Dan,
Actual answers to your questions:
It all depends!!
If a motor is operated in silty, muddy, or glacier run off water, the impeller wears faster. Same for salt vs fresh. A black motor sitting with the lower unit in the Arizona sun when stored
will damage the impeller faster. Same with impellers in LA smog.
I have no experience with sub zero temps, but that can't be good for the rubber. It is best to use new impellers rather than old stock, but I always carried a spare WP kit and used it at the next change out.
I would change the impeller after two years and see how it has held up. Save the old impeller and label it with date and operating hours. Two years later, change again and compare.
I think the best way to keep track of water pump health is to have a pressure gauge on the dash. Then the normal operating pressure of the cooling system can be noted and monitored. If a plastic bag or kelp is picked up, it will show as reduced or no pressure. Better to find out by gauge prior to damage than wait for the overheat horn to tell you that there is already damage.
In a shop situation where the customer is paying for the work and expecting a warranty, I always changed the impeller and gaskets whether they were very worn or not. The tech in the shop doesn't know when that motor will be serviced next.
For those doing their own work, and thinking about putting the old impeller back in, ask yourself, how soon do I want to do this again? , and compare that to the cost of the parts. Always use new o-rings and gaskets, and wear plates if at all worn.
Larry H
(retired outboard mechanic)