I have an LG OLED E6 (65") and love it, with the exception I have one point of burn-in. It's a perfect circle, about an inch to inch and half in diameter, towards the top of the screen on the right side. I've had the burn-in for about 6 months now and have decided to live with it because I rarely notice it (only on red and light tan backgrounds).
Still baffles me how I received the burn-in, as I can't figure out at anything I've done with the TV that has caused this specific shape of burn-in and where it's located. None of the games I've played has had HUD displays at that point of the screen and that specific shape and the location doesn't coincide with anything that I've watched on TV.
I am going to ride out my TV until it dies, or if I get more burn-in that is to the point that I can't accept it. Because as I said, otherwise, I've loved the TV overall. But I also wonder how well burn-in has been addressed for current OLEDs, or is it just as likely as TVs of my generation.
Yeah white subtitles are crazy bright. You can actually change the subtitle color to something else (you have to access Netflix on desktop). I use yellow subtitles which are less bright, but now it turns out yellow might be the reason for burn in.
I guess watching a lot of Netflix eventually might burn in the subtitles, even though they're not constantly onscreen. And turning them off is not really an option for a non native english speaker.
I actually took a pic of my TV, you can see the bars clearly at the bottom:
Wow, that shit is AWFUL. Yeah, I would definitely be replacing if my burn-in was that obvious.