Reference GPU coolers usually require fans rated for 50,000 hours or greater lifetime. Non-reference GPU coolers often attempt to improve on reference coolers by placing a lot of emphasis onto fans engineered for increased performance, silence, efficiency, reliability, and longevity.
Running GPU fans at max for hours at a time while gaming won't do any real harm, aside from increasing their energy consumption and noise output. It's arguably preferable to burn out relatively cheap fans to extend the lifespan of the costly parts they're designed to cool. Old and worn GPUs are usually obsolete by the time the fans are dead or dying, long past their warranty expiration, and people do sometimes repair or replace these fans as needed (although sourcing original/obsolete or at least compatible fan parts can be difficult).
Running GPU fans at max for hours at a time endlessly over many days or weeks or months will shorten their life. Usually the bearings dry up or become misaligned/imbalanced through excessive wear, unpleasant audio frequencies and disturbing oscillations become increasingly noticeable as they slowly fail. Sudden lockup failures or "explosive" disintegration of moving fan parts seldom occur, but they can happen.
Most GPUs (I hope) have at least rudimentary thermal regulation which will shut down the part at dangerous heat thresholds. More often than not some other component in a laptop will die long before the fans do.
85C-92C does seem a little hot to me. Maybe try adding a fan/cooling upgrade or at least using a laptop cooling pad while gaming? You might also improve cooling by cleaning/dusting out all the vents in your machine? Many people upgrade the fans, cooling components, and TIMs inside their laptops - although this can be technical, expensive, involved, and likely voids warranty.
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