What happens to a Ferrari race car, even though it's made from the same material as a CF bike frame, has little to do with how long a CF bike frame will last. It all depends on the design and build, and CF is the ultimate material for customizing design and build.

Race cars are designed to be light weight and only last for a couple seasons (1 season for an F1 car). And of course a crash is likely to damage the carbon tub. I've seen carbon tubs of race cars get flexy over time - both the BMW V12 LMR and the Panoz LMP1 experienced such problems after race for a couple seasons or more - but they were used for longer than intended in the original design. Race cars are designed for light weight and performance. Road cars, and I assume road bikes for sale to the general public, are designed more for longevity.

If a frame is painted or clear coated, UV light deterioration should not be an issue. UV light it much more of an issue for tires.