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Egress windows are typically required for basements with habitable space or living quarters. Not all basements or lower levels require egress windows. However, egress windows are required in homes with living spaces such as bedrooms and living rooms in a basement. The International Residential Code and International Building Code require sleeping rooms to have a specific size egress window. Check your local building codes to confirm the requirements in your area.

Replacing window glass instead of the entire window is more cost-effective, maintains the frame's aesthetics, and reduces waste. It improves insulation and energy efficiency and can be completed more quickly with minimal disruption to the home.

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.

Window replacement is typically always worth the cost, both from a money-saving standpoint and a comfort standpoint. If your windows are older and significantly damaged, a window replacement can actually save you money in the long term by improving energy efficiency. If your windows aren’t up to code, you may not really have a choice.