Anecdotal, I know, but just as a USB pen drive can hold data for a decade, I'm pretty sure that the data-retention scares are just FUD. Standard TLC flash in USB drives had been showing us 5+ year data retention for a decade before SSD's were even available.
To show us "5+ year data retention for a decade before SSDs were even available", we would've needed to start using TLC flash around 1990. In 1990 we were still using floppies for removable storage, and the USB interface hadn't even been invented yet. TLC NAND has only been around for something like 5 years *total*, so (aside from results that have been extrapolated from accelerated life testing) we're just *now* starting to get empirical data for 5+ year data retention reliability on TLC.
I agree that some of the info floating around is FUD and/or based on "worst case" storage conditions (high temperature). But it would also be wise to remember what happened with CD-R/DVD-R, where extravagant claims were made about data retention times, yet the reality turned out to be that many burned discs degraded within just a few years.
If the world isn't making sense to you, you're either drinking too much or not drinking enough.