What's your usage like? On 2017 models, permanent burn-in happened after 3,000 hours or so. Now 2019 and 2020 ones will survive for 6,000-7,000 hours easily of a static image, if not more. Are you going to cross that much time on a static image within 2 years or 4 years?
Let's say you watch DTH for 4 hours everyday. That's about 1,500 hours each year. 4 years or so before the DTH logo gets burnt in permanently on your TV, assuming the logo stays on screen all the time.
Calculate it based like that.
LG officially doesn't replace panel for burn-in, but they have replaced literally thousands, for which you have proof in forums. Anyway, I say don't even count on that. Calculate based on above hours and make your peace with that.
If you watch 6 hours of DTH everyday, then you might as well skip OLED for now. If you watch 3-4 hours, are you fine with replacing it after 4 years? If you watch for 2 hours only do DTH everyday, and rest streaming or gaming, definitely go OLED.