My "aim" when setting a tank is for a 10-year life. Many do not last that long because I get bored and want to try something else. Some few tanks go 15 years or more.
My experiments with DIY substrates were mostly short and ugly - vermiculite, kitty litter, top or subsoil, etc never lasted as I had issues with each. Decades ago my substrates were gravel + mulm. It worked, but developed slowly and painfully. Then Dupla and laterite came along and that worked great. Then we lost access in the US and I tried some of the layered substrates with peat, soils, etc and always had problems within a greater or lesser period. Now we have easy access to laterites and SeaChem's substrates (I've only used the standard Flourite). Life is easy again.
Wetman - perhaps the difference is in the plants we use. I'm big on Vals, Crypts, and swords - all of which burn up their substrate fast and produce massive quantities of roots which will eventually become H2S sites after they become inactive. Without major division and replanting at some interval, all these can have problems. The swords tend to 'walk' very slowly, so it is easier to clear out some of the dead mass every couple of years. The Crypts get crowded, the Vals lose vigor. My other standards - Anubias (require only pruning rarely), Crinums (which I never disturb if I can avoid it), Apon (which largely offer dormancy and an easy window for moving or substrate re-build) or don't involve the substrate (Java Moss, Java Fern, Bolbitis). I do not do stem plants, I'm too lazy.
I do have very little algae - the 29 I can see from here last had its glass cleaned last summer when I pruned the Anubias back. It is time to prune again to even up the carpet and reduce its height, so I'm sure I'll do the glass at the same time. The 55s have to be front glass scraped every few weeks. (they are my highest light tanks). The other are in between those extremes.