I'm looking for a valid source that confirm or reject this issue; for commercial PCR kits it's better to set a ready-to-use master mix or content-made master.
Primers and Taq enzyme can decrease master mix efficacy or stability or not.
as long as the buffer formulation is compatible with the enzyme, it wont really affect the master mix stability. you could add primer before hand (ready mix) as long as your polymerase is hot/warmstart to avoid any amplification (e.g. dimer)
No, adding primers and Taq enzyme to PCR master mix is generally not recommended for extended storage or long-term stability. While Taq polymerase itself is relatively thermostable, its activity can be affected by storage conditions and the presence of other reagents, particularly at room temperature.
It is better to use a ready-made mastermix to which you add your primer and reverse primer. I do this with my RT-qPCR and it works well, but I use SyBr green mastermix