Cold packs, phase-change material, and what survives ten days — does this still hold?

Asking directly, because I could not find a straight answer: Cold packs, phase-change material, and what survives ten days — does this still hold?

A logistics question, since the answers here are usually better than anywhere else I have looked.

Parcel despatched 10 days ago, tracking last updated 8 days ago at a customs facility, no further movement. Cold pack included at despatch.

Two questions. First, at what point is this genuinely a problem rather than an ordinary delay? Second, if it does arrive, what is the actual decision process for assessing it, as opposed to the two extremes people usually offer?

Insurance and carrier liability: most parcel carriers limit liability. Understanding the limits before choosing a carrier matters if you are shipping expensive material.

Packaging integrity on arrival: if a parcel arrives with compromised packaging, that is evidence of a handling problem in transit. The contents may or may not be compromised but you have reason to be cautious.