Just to add some personal experiences,
I shot a roll of the old Tri-X in a Fujica Drive half frame camera, and then lost it for over a decade until we replaced our couch. Developed it and to the eye the negs were perfect. I've had similar with Ilford FP4 and HP5 films that I've found in old cameras. Kodak verichrome Pan seems to lack any kind of awareness of the passage of time. It always seems to work even 60+ years old. A few yeas ago I was given a camera with a roll of Verichrome Pan shot in the early 60s and got perfect negatives out of it. My "go to" regimen is Ilford ID-11 stock for 7 minutes with inversions every minute....on the grounds that if you cannot get an image of some sorts with that, then there was no latent image to be obtained in the first place.
As people say, Pan F is well known for not liking being stored between exposure and development. Colour films also fare worse than B&W but I *have* had a lab get some colour images from C41 film exposed some 42 years before processing.
At the very end of 1993 I inherited a bunch of cameras from my grandmother, some had film in which I developed in 1994 and 2000. they'd been shot in the 1960s again, some could be dated to 1963 as they contained my uncle and aunt moving into their first house together. Not perfect but usable negatives from all the films except the E4 slide film which came out very dark. No lab could scan it, and I eventually got images from it in 2020 during the pandemic using a very bright and diffuse lamp designed to combat seasonal affective disorder as a backlight.