You could just go by the 6 year rule, but tyres deteriorate at different rates under different conditions. I've fitted and used tyres that were older than that, so long as they have been stored correctly and are in good condition, they are fine.
Tyre wall cracking is not a major issue, so long as it's not so deep as to expose cords. An MOT tester will do a visual check and advise on cracking, or fail it if looks dodgy, so you should get some warning that they are on their last legs.
What you should watch out for is any cracks developing in the root of the treads. Any sign of this, and you should think about replacing the tyres ASAP. If you can see any cord at the bottom of the cracks, then get them swapped immediately.
Chinese tyres seem to be particularly prone to age cracking relatively quickly. I tell anyone who does low mileage to steer clear of them.
One other point, front wheel drive cars wear the rear tyres relatively slowly, and it's not uncommon to have to swap old rear tyres due to perishing. To avoid this, normally when I put a pair of tyres on, I put the new pair on the back, and put the back ones on the front. That way, the tread gets used before you encounter any age related issues. You should always have the best pair of tyres on the back, in any case.