Do the math.
50 % saving in fuel bill recovers cost of double pane gas filled low E anti UV windows in 5 or so years. And you feel no drafts nor can you detect them in a windstorm with a candle.
This does not include the saving for non fading of your priceless oriental rugs and antique overstuffed furniture and drapes or other window treatments.
properly installed with forever elastomeric caulk and forever metal cladding over the old exterior woodwork you will save several thousand dollars every few years by NOT painting.
Net out, only buy your windows from a reputable manufacturer who will honor their warranty. And live quietly while you smile all the way to the bank.