What it can look like at home
A replacement decision can involve repair history, reliability, comfort, safety findings, fuel use, the condition of the ducts, planned renovations. The installation work needed for a new furnace. A furnace is part of a forced-air system, not an isolated box.
Why it can happen
A furnace replacement decision may involve repair findings, safety, recurring breakdowns, comfort, airflow, efficiency, parts availability, and the condition of the duct system. A furnace does not need to fail completely before a homeowner asks for a comparison, but age alone does not settle it either.