We've been in our house 22 years. Our water heater was here when we got here.
If it ain't broke, don't fix it? Or is there a benefit to replacing it sooner than later?
We did ours because many of our neighbors in similar aged homes had leaks that damaged drywall, floors and ceilings. Our was in an upstairs closet directly over our MBR. So preventative maintenance combined with the rebates available at the time made it a no brainer.