On newer doors like the ones common in West Richland, panel damage usually comes from an impact - a car bumper, a trailer tongue, a thrown rock from mowing - rather than age-related failure. The steel is factory-finished and holds its shape well; it dents, it doesn't typically rust through or delaminate the way older 80s stock sometimes does.
What you'll notice: a visible crease or bow in one section, the door binding or scraping as it travels because the bent panel is fighting the track, or in worse cases a panel that's pulled away from its hinge points entirely. If only the skin is dented and the structure underneath is intact, it's cosmetic and can usually wait. If the panel is bowed enough to touch the track or affect how the door seals at the bottom, that's a function problem, not a looks problem, and it's worth fixing before the opener starts straining against it.