You'll be dead before disc rot takes effect on almost any disc kept out of direct sunlight and in a climate controlled environment.
Saturn, 3DO, and Dreamcast collectors beg to differ. Some folks even finding sealed games to be unplayable. Could be the way it was stored, could be manufacturing defects like Sega cheapening out materially on Dreamcast discs.
Always good have backups and/or modded consoles for longevity.