Materials that endure constant load cycling ultimately 'get tired' and then can no longer bear loading as when 'new'; in metals the constant load cycling results in 'metal fatigue' or embrittlement (cold working).
If one would take any form of stainless steel, lay it on the ground and not use it, there would be no increase in metal fatigue or other loss of strength for probably 1000s of years.
Your rigger has to protect himself, as if he says 'it looks good' and it fails anytime in the long term future, you will sue him and ultimately win. Such is the 'game of risk' in the litigious USA. The rigger HAS to protect himself, legally.
The same would follow for insurance carriers, as the actuarial numbers show that for a seldom used recreational boats that rig failures begin to show up as casualty loss at 10 years ... then the recommendation (usually 'snuck' into your policy 'fine print' at the time of renewal) from them is to demand "change ALL rigging in all boats AT 10 years" ... because a failed rig sets a 'precedent' both legal and actuarially. Have a policy that states "rigging changeout at 10 years" and you dont and it fails ... YOU pay (and pay for all consequential damages,etc.), they dont. If you hardly use the boat, the rigging still has be changed ... protects the insurance carrier from casualty loss.
Rigging fails typically because of TWO simultaneous failure modes ... fatigue AND chemical corrosion.
Fatigue (micro cracks) 'normally' begins in stainless when the material is loaded beyond ~30% of ultimate tensile strength ... the beginnings of these small micro cracks begin to form, although micro cracks are and can be started in the forming process of the new material. Every load cycle above ~30% increases the ever additive amount of micro-cracks. Typically when there are 1 million load cycles above 30% the part fails, can be quite catastrophically - without warning and at loads that are quite low. On a properly designed rig it will become fatigued typically after 1 'circumnavigation' (1 million load cycles at greater than 30% UTS).
Never ever load 300 series stainless steel beyond 30% of ultimate tensile strength ... and the fatigue 'endurance' becomes towards 'infinite'. That 30% UTS value in stainless is called 'the fatigue endurance value' ... usually determined by ACTUAL cyclical destructive testing on the 'actual' part.
Chemical Corrosion - Those microcracks allow moisture to penetrate into the metal on a macroscopic basis. When the cracks penetrate/propagate deeply into and beyond the surface, that penetrating water quickly loses its excess oxygen and without oxygen in a wet atmosphere the stainless begins to rust (internal to the material). The telltale 'rusting' of chemical (crevice) corrosion is 'rust blooms' on the surface of the material. Rusting of the iron component of stainless steel generates extreme internal pressure ... which in turn, enhances microcracking, which accelerates the chemical corrosion, which enhances the microcracking, etc. etc. etc.
So, ignoring insurance considerations, when do you change rigging?
1. anytime you see a visible crack - signifies 'embrittlement' or fatigue - the 'beginnings' of catastrophic FAILURE.
2. anytime you see any 'zone' on the surface of the stainless that shows 'dulling' or loss of surface 'sheen'. The shiney surface becomes 'dull' - indicator of 'fatigue'.
3. anytime the stainless develops 'rusting' (other than cosmetic surface rust due to 'surface roughness', etc.).
4. anytime the stainless has cracks AND rusting is emanating from the micro-cracks ... and rust seems to be 'pouring' or is being 'pushed' out of the component ... even on a macro-scale view.
5. anytime the component permanently changes dimension (ductile failure)
6. when 'proof loading' to approx 70-80% of ultimate tensile values results in failure (very dangerous to do and I dont recommend for YOU to do this). These are very crude approximate values.
On boats that are actually/frequently sailed, any rig should have an 'up the mast' inspection for fatigue/cracks/'rust' every season.
Any rig should have a mast-off detailed inspection, including 'dye penetrant' and/or 'magnetic' inspection approx. every 5 years.
If you know how (ONLY if you
know how and without risk of killing yourself as this is quite 'dangerous') proof loading to validate
remaining 'strength'.
