Okay, from that chart, it looks like the damaging factor is heat at the junction point, not the amount of current flowing. Current plays some role, but it appears if you properly heat-sink things, most of damage is mitigated.
And even worst-case, it doesn’t seem the L70 lifetimes are affected much at all; just the L95 lifetimes.
I’m not sure if we can extrapolate accurately past Cree’s 3 amp testing, but if you’re right that 5A gives 500 hours until the LED is only 95% as bright, then that’s why I’m not seeing any drop at all after 15 or 20 hours.
I’m okay if I get 500 hours at almost “new” output levels. That would explain why people aren’t complaining.