Our lake house has metal roof. Going on 10 years. It’s the light grey, straight line. But because of peaks and valleys it definitely has that cottage feel. Haven’t noticed any fading, but pine trees sometimes leave a stain. We have more snow than sun, plus Shade from giant pines. This was before noise insulation, light to medium rain not a big deal. Thunder storm, the upstairs bedrooms might as well head to the kitchen for a coffee.
Our insurance guy said we wouldn’t have to replace in 5 years, but our first premium was around $440 this year renewal is $2815. Just under 3600sf, with new heating system. No ac, because have never needed it. Zero fire hydrants, just drop the pump hose in the lake, so we get a big discount for the free water.
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Do not worry about things you can not change 
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