The question of "replace or not replace" is framed a bit wrong - it all depends on what condition your wiring is actually in right now and what you're plugging into it. Aluminum itself isn't the enemy; problems start when contacts oxidize, wires heat up, or they get overloaded. If your wiring has been working for, say, 30 years without short circuits and fires, that doesn't mean it's about to blow up. But the risk really is higher than with copper.
Copper is more reliable - it oxidizes less, handles loads better, lasts longer. The thing is, "you absolutely have to replace everything at once" - that's not always true. Look at what you're actually plugging in: if it's a washing machine, oven, water heater, and several outlets all at the same time, then yeah, old aluminum wiring might not be able to handle it and will start overheating. But if you live modestly and don't overload the network, you can get by with a partial replacement: at least redo the lines to high-power appliances and the main panel, where contacts oxidize fastest.
One more tip - ask your electrician for an estimate not on a full replacement, but on phased updates. Sometimes people live with aluminum wiring for years, just keeping an eye on its condition and tightening the contacts. It's not ideal, but cheaper than a complete overhaul.