you only plan on being in the house for a few years and not a life time '
do the replacement but keep in mind you are going to get the cheapest job the warrenty co can find but you will have heat and the contractor will be responable for all inspections
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I would for sure take whatever payout you can get, and then hire a pro to measure your house and install something high eff with a decent warranty that can transfer to any new owners if you sell. Get a few estimates before you decide if it helps. Home warranties normally provide the cheapest products at the lowest quailty work they can get away with. I have seen them not pull permits or meet newer codes unless you pay extra. If you have to pay anything at all then find your own contractor who is responsible to you and not them. You will be far happier in the long run.
Warning: Just because I am over the head injury doesn't mean I'm normal!