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Double-pane windows w/moisture in them means the seals are 'busted'. You'll need new windows (forget about storm windows.)
Retro-fit probably means the windows can be fit w/a window that doesn't need to be roughed-out anew. In other words, same size windows can be put in there w/whatever the existing rough-out is.
Ask whoever it is you're talking to what retro-fit means. They could be talking a different animal (like a 60's style window. YOu know, retro??!)
My best to ya and hope this helps.
Jay J -Moderator