Yes this exactly
FP and Coli rewards last 5 days so I collect these every 5th day
Everything else: GW, Hire gold, Crypt tokens last forever
Contest rewards, purchases, GYG also forever
The only items to be really careful of are "special mail" like apologies or compensation. Often these expire very quickly so it's safest to collect them immediately.
This type of hoarding is SOP for a lot of players