Sorry, there's no such thing as a typical Chardonnay
How long a wine will last depends very much on how much wood ageing, how much alcohol and how much sugar is in the wine. A sweet Chardonnay will generall keep longer than a dry one. But there are so many parameters....
Most white wines are meant for early drinking.
There is really no point in deliberately holding on to them, you'll lose the freshness that makes them attractive.
Some people like the taste of aged wines. White wines will go darker in colour and the taste will change, maybe seeming duller.
There are exceptions and they will be the more expensive wines but the basic rule on white wines and inexpensive wines is DYA - Drink Youngest Available