Guys - 100y and 100k times is the same magic - the extrapolation from data based on measurement, simulation, physical models and production statistics. 100k to check is much easier, as you can do 100k in real time.
My understanding would be the 100k limit means after the 100k charges/discharges of the cell the cell's ability to store the charge for 100y drops to say by half (or to 63%, or 80% of the original value, etc.) because of the wear-out.
Under ambient temperature and at the sea level wear-out is mostly caused by strong electric fields - the strong programming pulses - fields/currents, they may push the chemical impurities (atoms) into the bulk SiO2 insulator, or create small cracks/atoms displacements in it - that creates ionization centers generating additional current leakage which discharges the Leyden jar faster).
In the microelectronics the stuff works such that when you shoot 10 atoms A into a bulk material made of 10mil B atoms the electrical parameters of the bulk material B may change significantly (by many orders of magnitude)..
Also mind in the production of chips the electrical parameters of a chip cut off from the middle of the silicon wafer may differ by 100++% to those cut off close to the wafer's edges or anywhere else (because of the fact a few atoms may change the parameters significantly, the chip production is similar to baking a cake, where the cake is cut off into maybe thousands of chips).
The cake:

The above picture depicts how the electrical parameters of chips differ across the Si wafer.. It does not necessarily mean the chip's digital/logical function will fail. That is a real picture..
That must not necessarily mean after 100k the cell returns a wrong value. So it does not mean after 100k the memory fails.
Most of the details are subject to an NDA, so you have to ask the vendor directly (vendor's internal know-how).
Mind the chip-makers use rather conservative estimates (because the production parameters spread), so when you do 10mil writes fine I would not be surprised..
For example there is an online monitoring page with various SSD disks used in heavy application, I saw results for Samsung 850 PRO (rated 150TB) - it did 7PB actually.. And in that single flash cell you store 3bits (8 charge values to measure), afik.
Long time back (as the FRAM memories started) I had a chat with an engineer from the chipmaker - I asked him why 10^14 writes only - he told me it is "unlimited" actually, but they better indicated that crazy max number of writes within the datasheet, otherwise people will not trust them 