The trick to long bag life is once exposed to fuel the entire inside of bag must always stay in contact with wet liquid fuel.
That means never let it sit with air or fuel vapor in it. If the bag is 100% wetted with liquid fuel they will last a very long time.
You have to watch it for a day or two following taking the boat out and remove all vapor that has puffed up in the bag.
Once it isn't being shaken around and temperature stabilizes it will not need further attention but still good to take a look every week if not being used.
If you keep the bag wet with no air or fuel vapor and don't overfill them they can even last a couple years. Still on average I would say every six months to a year max you should change them out usually because it is getting a little stiffer usually caused by the period you forgot to check it for air/fuel vapor. It isn't optional and is one drawback to the bag.
Of course a really bad wipeout with a loose bag can occasionally bust one open.
Fuel bags offer no fuel foaming, guaranteed fuel feed to the last drop without any chance of air/foam getting pulled in, no way to get water contamination, allows for lower center of gravity, no vent, lightweight easy placement and mounting to name a few.
I have two boxes full of fuel tanks leftover from the days of hard tanks and I mean gas ones so my comments aren't coming from someone that hasn't done a lot of both. I myself don't miss the hard tanks and doubt I would want to use them again.
Personally for myself IMO it is the fuel bag with the most positives but to each his own.