Ugh, Ive just set up an appt. at the local Apple Store for this issue--I'm a bit disheartened to have found this thread describing the exact same problem. I've recently installed Windows Vista via Boot Camp, and was surprised to notice that indeed, merely 1-2 hours of use is enough to cause screen persistence of the Vista background/icons (and of course, the usual elements in my main OSX screen are visible as well). It does happen more during heavier usage, sometimes alleviates after turning the machine off for a few hours, and I only noticed it as the machine has aged slightly (2 years ownership). I don't run a screensaver because I have Energy Saver set to sleep the display after 10 minutes of non-use.
The frustrating thing is, like many people I own plenty of LCD displays (both laptop and desktop), all of which are much older than the imac and stay on for much longer than the Mac. In fact, I have a Dell 24" monitor next to it that is almost twice as old, sees more use, has a longer sleep delay, and as never exhibited this problem.
I hope the guys at the Apple Store can help out.