Also consider your age. My dad was in Ina store and there was a window sales person there... They were touting save x amount of energy and lower your bills. My dad explained to the girl I'm 74 and I won't live long enough to even recover half that amount. She took took a second and said oh I understand. I would do the windows for them but even at that it isn't worth it unless it's a damage or comfort issue. And LOML and I aren't really that far from that point either.
I'm all for making things all efficient as possible but be smart about it and look at the big picture.
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