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A good U-factor for windows is 0.30 or lower, but they can range from 0.20 to 1.20. A general rule of thumb when it comes to the U-factor is that the lower, the better.

Yes, egress windows can significantly add value to a home. By making basement and attic areas safer and more livable, they allow you to market these spaces as finished living areas, which increases your property's value. Many homeowners can recover the full installation cost, with some sources citing a return on investment of around 70%. The exact value added depends on your specific home, location, and adherence to local building codes. Beyond financial value, egress windows enhance functionality by adding natural light and comfort. They are also a crucial safety feature, often mandated by building codes to serve as an emergency exit.

In short, it depends. After 20 years, the glass in your windows is less energy efficient, which can cause increased electricity bills. You might also see signs of water damage or natural wear and tear over the years. However, with proper maintenance, some window frames can last up to 50 years, so you may only need to replace the glass to save on energy. 

At the same time, window replacement is a major investment, so replacing the glass in rooms most impacted by outdoor temperatures is one way to avoid going all-in to replace your windows.

Windows with muntins are slightly more expensive because you’re paying for more material, but the cost shouldn't be that much higher since most muntins are fake on modern windows. You’re looking at a cost between $25 and $100 more per window for muntins, depending on the type. The only exception is if you want custom muntins to match your home style or meet your personal preference. Most manufacturers will charge more for these as they can’t mass-produce them. Windows with true muntins are rare, and they’re much more expensive upfront and over time if you ever need individual glass replacement.