Are the GU10 lights embedded in the ceiling as downlights? Most downlights haven't been redesigned to use LED's vs halogens and therefore have no air circulation since the hot bit (LED and driver electronics) are withing the ceiling cavity. This trapped heat wasn't a problem for halogens but are a massive issue for solid state electronics with high temperatures causing premature death. The reason why the fluorescent tubes haven't failed is because of their higher surface area and the fact they are surface mounted on the wall rather than in the wall and therefore stay cooler.
This problem is compounded by manufacturers using the same heatsink for the their entire range of GU10's regardless of wattage. 2W to 6.5W all have the same heatsink area since it's cheaper for the manufacturer to bulk order one part rather than 3 to 5 different sizes. Therefore the 6.5W GU10 bulbs often fail much sooner as they get much hotter.
My suggestion would be to buy bulbs with a long warranty (some have 5 yrs like the Philips LEDspot ExpertColor GU10) and just ask for replacements when they inevitably go bang. Other options are installing more downlights and using 2W bulbs rather than 5W bulbs which should last longer and produce the same amount of light or using downlights designed for LED's with a greater heatsink area on the hot end - these are sadly rare.
EDIT: Pendant fittings also have a similar issue to downlights if there is no air circulation. Here is an engineering approach to the problem but I doubt it would please any any interior designers. The principle is the same though - heat is the enemy (Although massively simplified you can blame Arrhenius for this fact).
Ensure your pendant has adequate air circulation.