This may be an extreme case so I'm not recommending you copy this. We have a high-efficiency forced-air gas furnace that replaced a very old system of an oil conversion gun in a gravity-circulation unit designed for burning coal. So we already have been enjoying the benefit of much higher efficiency. We have no AC in our system. The unit is now 36 years old, which certainly is beyond the normal life expectancy of a furnace. I have done all the cleaning and maintenance of it - I'm pretty handy - including replacing over the years the induced draft (exhaust) fan assembly, the motor for the main circulating fan, many fan belts and air filters, and a couple of power drum humidifiers. If an inspection by someone well qualified says your system is perfectly good now, I would not expect it to fail on you suddenly in the near future. Of course you don't want that to happen in mid-winter, but normal yearly maintenance usually will alert you to components that become so worn you need to replace them AND to any situation that is major to suggest complete replacement. Timely warnings like that will allow you to plan replacement before a major problem comes up.