It's probably a good idea to upsize your water heater. In my previous house, I had a 75 gallon water heater because I had a spa type bath tub. I think both the water heater and the HVAC unit will last about 15 years. 10 years seems a little too soon to replace. I don't think the ability to "negotiate" the price before something fails is worth much at all. The replacement prices are actually pretty much fixed. And, there are plenty of reputable contractors who can replace these items within a day or so. Also, if you have not been flushing your old water heater regularly, I would highly recommend that you don't start doing it now. You could create a leak in the drain valve and will have a plumbing emergency. Most people never flush their water heater. Also, if you plan to heat and cool your lanai and garage, it is very important that you plan to insulate the ceilings in these areas, which will probably involve a second contractor.
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