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We are thinking of replacing the windows in our brownstone and were wondering what other people chose to do. The question is whether to do a full replacement including the frames or to use the “inserts”. We’ve been hearing some conflicting opinions, and I was curious as to what other brownstone owners opted for. Our real goal is for better insulation in the bay front, and it seems that full replacement is probably better but is it worth about double the price? How much extra insulation is actually put in when the original frames are replaced? On the other hand, if you are just putting in the inserts while keeping the original frames are you paying a fortune for the insert but leaving drafty old frames? We have pretty much decided on either Marvin or Andersen. Any input would be greatly appreciated. Thanks in advance!