bholler, you values are similar to those of my wife and me. As you understand, my point simply was focusing on ROI is not the only relevant factor in making a choice, be it windows or anything else. And I was not trying to convince you that new windows were right for you.
My wife and I did make the choice to buy new windows back in 1992 for our old, drafty lake cabin in the middle of a forested region, with the goal of that becoming our home, which occurred in 1997. The home had to be livable in the coldest winters MN could throw at us (occasional forays into the -40'sF range) and many days below 0F with strong NW windows blowing down from Canada and the arctic. It also had to be economical to heat, with a wood stove in the living room being the heat source of choice, as we are surrounded by a wood supply.
Now, nearly 25 years after installing the windows, which solved most of the draftiness, the house is still heated by that same wood stove, we enjoy the same "new" windows, and the cabin-home is very livable year-round. Winters were and remain one of our favorite seasons. Our windows were 4-pane, two glass and two sheets of plastic between the glass, argon gas, reflecting back summer sun, reflecting in winter heat, etc. These were rated u-.012 center of glass, and they have performed flawlessly.
Agreed, new windows do not meet the needs of everyone. But in our case they made our lake cabin the home we wanted and greatly valued. BTW, we buy only used cars, keep them into the 250,000 - 300,000 mile range, have no truck or motorized toys, are very frugal in our lifestyle, and are very respectful and protective of the natural environment in which we live.