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I change out carry ammo once every six months or so.
Usually shoot a few boxes of a particular brand/type to see how it performs and then carry the remainder for about 6 months then shoot that ammo. If I like it, it is replaced with the same.

IMO, magazines should be left unloaded until you are using them.
They are expensive and a pain to replace so why stress them?
Keep what you need loaded and swap them out every few months.
Revolver chambers should be cleaned of oil before loading.
A revolver can be kept loaded forever but IMO the ammo should be stored outside the gun.
NEVER leave a loaded gun anywhere you do not have absolute, complete control of it.

Ammo can and will go dud on you if stored close to exposed oil.
It is rare but it can happen.
Keep ammo clean, dry, and in proper boxes. Plain old GI ammo cans are hard to beat for this purpose.