Three things wear springs:
- Cycling them.
- Over stressing them beyond their design limits.
- Crappy manufacturing.
Cycling: If the magazine and spring are designed properly, then you only have to worry about the number of cycles. And you should go many years, even decades, before spring tension becomes a problem. If you're really worried about this, then pick a number of years that works for you and replace your heavily used magazine springs. Like on every even 10 years.
Over stressing: This is caused by over compression, generally a design problem, because if the magazine and spring are designed properly you CAN'T over compress the spring because the other components in the magazine physically limit full travel. If you change out components (like the magazine follower) in order to fit an extra round or two, now you're over stressing the spring by compressing it more than it was designed to compress for that magazine. Don't do this...and if you have, either find a spring designed for your new magazine configuration, replace the spring more often as signs of failure pop up, or restore your magazine to it's original configuration.
Crappy manufacturing: Nothing to do for this except buy quality springs and be done with it.
So, feel free to load your magazines to maximum design capacity and store them. I do this, and only unload the magazine periodically as I see fit in order to inspect for signs of corrosion or dirt.