Is insulation worth it beyond the new construction standard?

So for a gas condensing boiler or a heat pump, I estimate anywhere between 10 and 25 years of lifespan. 10 years if things go badly and anything over 20 years is really a stroke of luck. These are technical/mechanical devices like cars, these things wear out. You can already see this because boilers over 30 years old have to be replaced – was there a big outcry about that? No, because only a few boilers even last that long.

Windows can, in the worst case, become "blind" after 10 years, that's what it's called as far as I know. For colored windows that were colored by a foil applied to them, the color eventually peels off, I know a current case of that. The house is, to my knowledge, just over 10 years old and the window colors are this greasy combination of white and the applied (?) window color. Don’t know if that applies to all colored windows.

Exterior plaster must be professionally cleaned after 10 to at the latest 15 years (possibly new coating with fungicides), the lifespan of ETICS is stated today to be 30 years. It can also be 40 years, but it can also be only 20 years.

These are actually all arguments in favor of the wooden prefabricated house – it could be gutted after 40 years, the wooden shell "thermally recycled," and then a new house could be built on the hopefully valuable plot (in a reasonably good location the main value in 40 years is in the land anyway, regardless of solid or prefab construction) (bungalow?).

Yes, with the timber frame house you can make a nice fire and then build a proper house.

You can do everything - but after 10 years the windows are not blind. And you can also use bricks, then you have no worries about the facade at all.

Google it
window blind years

Then you will find:
8-10 years
at the latest 30 years
7 years
After almost 20 years all window blinds
3 years
...

So, the window does not have to be blind after 10 years - but it could happen. It is not excluded.

By the way, blind windows can be renovated without replacing the glass: Just try googling glass renovation. My parents have normal plastic insulated glass windows, which are now over 35 years old and none of the panes are blind yet (the Velux roof windows have already been replaced for that reason). It's always a question of the quality you bought. The insulation values may be significantly better today, but that also has to fit the masonry. Since a brick facade cannot be renovated easily and cheaply, it’s simply a matter of calculation whether you do it. Although the value of the house doesn’t really increase because of it, as long as you don’t want to sell, it doesn’t matter. With today’s new building standards, you would still be in a pretty good position in many years, so I wouldn’t worry too much. The only important thing is that the entire insulation concept is coordinated. In my opinion, it doesn’t make sense to have well-insulated walls if the windows are poorly insulated and vice versa.

Yes, you can also drop dead tomorrow - everything is within the realm of possibility. And I don't need to google to read negative experiences from people - do you really think someone writes "Oh guys, my windows have lasted 25 years already - impressive, right?"?

Naive thinking... You are really very focused on numbers, which is reflected in many posts - but in doing so you have a very limited perspective.

I never said that the windows have to be replaced after 10-15 years. I only said that the best years are over. Kind of like an 8-9 year old Audi A6. No longer new but you can still drive it for 5-6 years. 15-year-old windows can easily be used for another 10 years. Still, the "shine" is gone and with it the best years. It's the same with the heating boiler and other things in a 15-year-old house. You always have to save for something to maintain the value of the house...