I just don't think that you
can get a totally definitive answer on this one.
Any film is guaranteed by the manufacturers to give a result "as good as fresh film" up to its expiry date, if kept as instructed (usually just reasonably cool and dry).
Clearly they will allow a good margin in this, so the film will still be totally usable for all general photography for some time after the expiry date, certainly months and perhaps a year or two.
Refrigerating and especially freezing will increase the life considerably, up to several years, but common sense is needed and older film would need a test before use......you are out of any guarantee and obviously manufacturers are not going to advise you of how deterioration will affect the film after expiry. They've done their bit by giving you a reliable expiry date.
Turning to Ebay - as with most of Ebay, you pay your money and take your chance, since there is no guarantee of the storage conditions of the film...lots of film sold on Ebay is "said" to have been frozen, but who knows?

You have to accept that all you can do is to buy some of the film and test it before using for anything important.
Having said that, I've bought an occasional brick of o/d E6 film from Ebay, tested one film, found it good and used the remainder of the film within a few weeks while it was OK. But I'd always pay the extra for fresh film for photoshoots like a daughter's wedding or holiday-of-lifetime!
