A heat exchanger might cost less to replace than the entire furnace if it is available, but I would call around and get advice from service people. A new furnace would also include new blower motors, controls and would likely be more efficient. The biggest question is whether a replacement heat exchanger can even be obtained and installed. By the time that has worn out in the furnace, there are any number of other parts that could also fail. Mechanical technicians I have spoken with tend to see furnaces as a collection of parts rather than a unit, so a decision really hinges on the quality and condition (remaining useful life) of the remaining parts.
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