How long does a vinyl liner last before it needs to be replaced?

We have a vinyl liner and the warranty is 20 years, that is only for the seams. We've been told by a number of people you can expect to get 8-10 years out of a liner. If you are absolutely fastidious about the care, chemical level, and cleaning, you may get a little longer. 16 years is the most I've ever heard of and that was a salt pool that belonged to a pool pro.