The halo effect of miniLEDs and the lifespan of organic materials in OLEDs are inherent physical limitations. Algorithms also tend to address these issues piecemeal.
OLED burn-in occurs because pixels of different colors age at different rates. Solutions include pixel cleaning, pixel shifting, and reducing brightness. However, these methods cannot completely prevent brightness decay and color shift after one or two years of use. In terms of picture quality, the brightness of the light source is acceptable in low-light scenes, but in high-light scenes, such as a bright daytime day, the brightness drops significantly if the field of view is wide, even resembling a cloudy day. For example, the brightness of the sky during the day is lower than that of a fire or lamp at night, which is very unpleasant.
MiniLEDs address this by reducing the brightness of the light source (even lower than OLEDs) or increasing the brightness of black levels. Both sacrifice picture quality. Therefore, it heavily relies on the manufacturer's tuning; good tuning results in a more balanced overall picture.
If you have a limited budget and don't prioritize the absolute best experience, miniLEDs are a viable option. However, miniLEDs are highly dependent on tuning. It's best to choose a leading manufacturer with its own flagship miniLED TV brand that shares its technology. Extensive research, comparisons, and user feedback are also necessary, making this a time-consuming process. However, a good miniLED monitor, in everyday, non-extreme scenarios, offers a viewing experience comparable to OLED monitors in the same price range, saving you money and hassle.
Unless you're extremely wealthy, OLED monitors aren't suitable for everyday office work. If you really appreciate the high contrast and pure colors of OLED, you can use two monitors. Use a cheaper 4K screen for office work, as long as it's eye-friendly. Use the OLED as your dedicated entertainment monitor. Alternatively, if your desk is large enough, you can buy an LG 42-inch OLED TV. Spending an extra thousand or so (for a regular 4K LCD + dual monitor stands) can significantly extend the OLED's lifespan, which is quite worthwhile.
Furthermore, many OLED manufacturers offer 3-year warranties, but there are conditions for obtaining warranty coverage, which is determined by the manufacturer. Just because you think the screen is burn-in or aging doesn't guarantee warranty coverage. Who is responsible for the warranty is also an issue. For example, MSI officially states that for monitor warranty repairs, please contact the original store of purchase, so there's a lot of uncertainty. There's also a lack of feedback on this online. If 3 years of intensive use triggers the warranty conditions, you can replace the panel. That means at least five or six years of use without worrying about aging issues, which solves the biggest pain point of OLED displays. But will monitor manufacturers, like the high-profit Apple, allow users to exploit this loophole?