The depreciation in the life expectancy is directly related to heat, the more heat the less life.
Most desktop processors have a 3 year 24/7 100% lifespan at factory settings, so anything above factory would reduce that lifespan; however, since most user PC's don't run 24/7 100% you can adjust based on your usage.
Given your settings I would presume 8-10 power-on-hours per day at 30% average load. At stock speeds I would estimate 18 years max lifespan, overclocked 7-10 years.
Realize that max lifespan means the processor will be dead after that time, the internal circuits do wear and become less effective over time, luckily performance decay doesn't tend to follow a linear pattern (steady decay) but rather a logarithmic pattern (slow minor decay over a long period then rapid decay to death).