I wait til stuff like that carps out, then deal with it
This but also start budgeting now for its replacement if not already done so.
What's the going rate for these systems? $5k to $8k?
Depends on size and seer rating. I did mine last year and didn't skimp out on anything. The unit I put in was 10k with labor. It is a 5 ton 19 seer. It also came with static electric filter and 2 ozone producing bulbs 2 feet into the start of duct. New Ecobee thermostat with 2 extra room sensors. Everything programs to wifi and is connected directly to my phone and can be controlled from anywhere.
With filters and Ozone bulbs my air in the house is REALLY REALLY clean and keeps dust WAY down with this system. Bet we may need to dust maybe once every 6-8 weeks. I also had my return moved and increased in size for better air movement and to quiet everything down because where it was before, it sounded like a small plane when it kicked on. This came with new condenser and complete HVAC system in attic. So new furnace and new a/c all the way around. It aint cheap but with the home improvement loan, I was able to take a 15 year loan at like 6% (if I remember correctly). I am paying way more than bare minimum payments every month but I think it was just under $100/month for this loan. I will have the loan paid off within 2 years. So in terms of cost, overall it seems like a punch to the gut but with the home improvement loan, it was a no brainer to get the best I could get my hands on last year when everything was kind of hard to find.
Think I have a 5 or 10 year warranty on the unit (honestly can't remember unless I go look at all the paperwork). I just am religious about keeping condenser screens cleaned and hosed off so they can breathe and change out filters in units every 3-4 months. Should last me at least 10 -15 years I am hoping.