What Drew said.
To add: I developed a 120 format roll of FP4+ exposed in 1996 and spending the next 12 years very unchilled in the back of a drawer, (in the tropics in temps reaching over 100F during the wet season) in HC-110 without any fog or noticable loss of speed... since then I don't fuss with slow speed b/w film storage too much. (Likewise, I e.g. still use warm stored Lith film expired in the '60s....)
http://www.jeffbridges.com/perception.html "Whether you think you can, or think you can't, you are right."
The answer is not here, it is in the film. You have to test the film to answer the questions.
Don't shoot it - take pictures with it.
A novel Idea !
Just found a bulk loader with TMax100 in it expired 1996, not frozen. Took a deep breath and tried it, no fog, has been giving good images.
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