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Wood windows will help keep an old home's charm, but they are more expensive and harder to maintain. Vinyl or fiberglass windows offer the best benefits in terms of durability and ease of care while still somewhat blending into the look and feel of an older home.  If the vinyl or fiberglass looks too out of place, consider adding shutters or something similar. The cost of plantation shutters is about $2,990, but the charm they bring to a home is unmatched.

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.

The disadvantages of putting plastic over your windows are that they are time-consuming to install and don’t always have the aesthetic that you may be looking for. The plastic is lightweight and not at all sturdy, so if you have kids or pets, the plastic can rip easily, meaning you’ll need to replace it often. It also doesn’t allow for the freedom of window movement that window film or shades offer. The single advantage that plastic window coverings have is that they are inexpensive and can be simple to install.

Your new windows may let in more noise than your old windows because they are not the right size or they were installed improperly. Improper installation, or choosing windows that are too small for the opening, can create gaps around the window that let in noise.

Another factor could be the STC and OITC ratings. If your new windows have lower ratings than your old windows, this means they have lower performance when it comes to dampening noise from the outdoors.