IMHO, once you hear an issue you have already damaged your records. 800 hours seems to be the maximum life for a fine line stylus, and likely much less, but it’s pretty easy to send it off to Joseph Long or Steve at VAS for an inspection. And barring an incident that causes the diamond to cleave, a properly aligned stylus, with the correct anti-skate setting, will wear more, or less, linearly, much like a set of tires on an automobile.
This is a scholarly work that looks at much of the available information, and it’s implications:
https://thevinylpress.com/the-finish-line-for-your-phonograph-stylus/
The folks over at Hoffman are doing some interesting stylus wear studies as well, though they seem to be hitting some bumps in the road.