That's a very good point. Just because a fish is alive and breeding, doesn't necessarily mean it is experiencing optimal health. To be sure, we humans do this to ourselves all the time.
I have N-class Endler's from a specialist breeder, so sounds a bit similar to your situation. I don't know how long they live either. Some of mine are up to 3 years at this point, so at the very least I've not run into the same longevity you found. Who is to say why. Could it be that you got a genetically weak strain? There are just so many factors. And that's really all I'm getting at.
I do think this is natural human responses to things to overly cling to belief. We start uninformed, make mistakes, someone kindly suggests modifications (or we discover them), they work, we accept that those modifications are necessary, we continue with them and begin to believe that those modifications are the only road to success. It happens in many human endeavors. Once we've decided something is true, we, as humans, are very good at amplifying data that supports our previous conclusion and minimizing data that contradicts it. It's a whole type of study in psychology. That said...
Sounds like there is a study out there with data that suggests tetras have physiological issues (I'm assuming the deposits were correlated with increased morbidity and mortality) in harder water. Though I've had them in non-optimal conditions, perhaps I should not. I'll see if I can find the study - I have access to nearly all those sort of sites. If I can find a sharable link to a PDF or something similar, I'd be happy to send it your way for future reference. That way you have that at your disposal for future discussions such as this one.