How much research have you done among the articles here?
You'd generally plan for more than 2 years but then there's always the upgrade bug that can hit.
Concert level translates into what spl particularly? Just getting a higher powered avr may not cut it, you may need external amps, but will more depend on the particular speakers you choose. If you want the avr to power everything then higher sensitivity speakers will help, but you may still need external amplification for all your zone speakers. You'll have to shop for your own avr to meet all your requirements, but your budget may be too low. Why eARC? You plan on using a tv's apps for sources of audio particularly? 7.2 as in an avr that can separately manage two subs? If with immersive technology like Atmos then it would be 7.2.2 or 7.4.2 or ? Audyssey is a form of room correction/eq in some brands of avr (primarily Denon/Marantz), and also can do auto setup for levels/delays etc., but I wouldn't call it an audio customization feature. Have no idea what ALLM is myself. You might use an spl calculator like this to determine your needs
Why would you think speakers have such a short life span as 5 years....if you really plan on abusing speakers they may not last a month but you normally can get 30-40 years out of speakers (maybe with foam surrounds that can rot not so much) without trying too hard. Might want to listen to various speakers to get an idea of what you want.
Couldn't help you with in wall or in ceiling speakers, have never interested me. Klipsch I've not purchased but the new RP series seems interesting.
A nice budget oriented outdoor speaker that sounds good I can recommend are these, I have used a pair for five years now out on my deck (but under an eave),
Better subs start in the $400-500 each neighborhood.
Good luck!