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If after one year, it should have 29 years of life left but instead will last 26 then it sounds like the chips won’t last 8 years (instead of 30). Sounds bad to me.

I think it does sounds really bad. After one year, 26 years lifespan. We get that by doing:

30 - (30.1 - 1) = 26.

Doing that again for the next year: 26 - (26.1 - 1) = 22.4.

So you now have 22.4 years of life vs an expected 28.

etc...

If the math is correct, you'd have an expected life of ~10.2 years. (30*(0.9)^n - n) = 0.

That said, when someone says "it reduces the lifespan by 10%", I'm a bit skeptical of the math. Either they are not properly testing it, or the temperatures are exceeding silicon parameters.

Can you please continue stated math for each year? You reach 0 faster than expected

People typically own vehicles for more than one year.

Do the math. It's bad.