There are widely varying qualities of CD-R's. I have used some cheap CD-R's (Khypermedia) that peeled off within months. Others (TDK, Verbatim, Imation) have lasted years and have been very durable. The data layer/label doesn't chip off very easily on the quality discs. I have discs in my cars that have been exposed to 100+ degrees to less than 20 degress farenhight and still play fine after several years. I have CD's lying around without cases, falling on the floor, getting walked on, spilled on, you name it. I have found CD's to be very durable. PC games on CD, no matter how careful I am, always end up looking abused. I still have one of the first games on CD-ROM (Lemmings) and it still works. It looks like it's been attacked by a lion but my Plextor CD burner still reads it.
I take very good care of all my music CD's. I rip all CD's to my PC as soon as I get them. The CD stays in the case in perfect condition.