I'm telling you this from experience of having spent a ton of time in houses with that problem. Those aluminum windows without thermal break are a nightmare in winter, trust me. The difference with the new ones is night and day, both in your bills and in how livable the place is. We're not just talking about not having drafts or stopping seeing condensation on the glass (though that too), it's that your heating system doesn't have to be running nonstop to make up for the heat loss. I've seen cases where the bill drops 20-30% in winter, sometimes more if you combined the windows with other insulation work.
What not many people tell you is that comfort goes way beyond the numbers. When you have decent windows, the temperature inside is more even, there's no that radiating cold feeling that kills you even when the heating's maxed out. In my case, I noticed I slept better, didn't have that constant feeling of it being cold. And the outside noise improves a ton too, which is something a lot of people don't expect but it's brutal.
Now, you gotta be real about the investment. It's not cheap, but if you're gonna stay another 15-20 years in the house, it pays for itself. If it's a place you're only gonna be in for a short time, maybe it doesn't make as much sense. But if it's your main house and you spend most of your winters here, I'm telling you it's totally worth it. The thermal break ones with double or triple glass, depending on your area, are gonna completely change how you live in that house 🏠