Another tidbit that seems to indicate this issue isn't hardware related that frankly I feel kinda stupid for not noticing up till now; When I have a piece of software open on the display, like a Word document, the display will show IR after just a few minutes (visible when switching desktops, logging out, etc). The image will clear once the window is closed, usually in about the same amount of time it took for the retained image to appear in the first place.
However, the dock, menu bar, file and program icons on the desktop, and wallpaper do not display any image retention at all. They are by far the most constant items on that display, and if this were a panel issue I'd expect them to be essentially permanent fixtures by now. But they're not. Hiding the dock, changing the wallpaper, or moving icons on the desktop leaves no "burned-in" image behind at all.
However, the dock, menu bar, file and program icons on the desktop, and wallpaper do not display any image retention at all. They are by far the most constant items on that display, and if this were a panel issue I'd expect them to be essentially permanent fixtures by now. But they're not. Hiding the dock, changing the wallpaper, or moving icons on the desktop leaves no "burned-in" image behind at all.