I would trust "freezer-stored" film if purchasing from a reputable store. I would not trust independent sellers on eBay.
Even if frozen, color film can still exhibit speed loss and color shifts over time, but the time frame is in years. More than five years, and you might see changes.
How important are your images to you? Can you tolerate underexposure and color shifts? This is a question only you can answer, but I won't accept either. Therefore, I never shoot outdated color film that I haven't personally placed in the freezer prior to its expiration date.
I see a lot of bloggers who seem to make it a point of honor to get some kind of image on badly expired film. I don't get it; the fact that the pictures "came out" doesn't mean much, and experiments are worthless in themselves if they can't be controlled.
And yes, I do hear you about the expense! I can only suggest that you shoot carefully and sparingly.