Your neighbor's anecdotal experience doesn't reflect the broader data - front-loaders typically last 10-14 years compared to top-loaders at 8-12 years, though individual units vary wildly based on maintenance and water quality. Front-loaders use about 40% less water (around 15-30 gallons per load versus 40-50 for top-loaders) and 20-30% less energy, which translates to real savings of $100-150 annually on utilities depending on your rates. The tradeoff is that front-loaders have more complex seals and bearings that can fail, while top-loaders are mechanically simpler but harder on fabrics and less efficient; over 10+ years, a front-loader will save you $1,000-1,500 in water and energy costs even if repair costs are slightly higher. If reliability is your main concern, focus on the specific brand and model's repair history rather than washer type - a quality front-loader from LG or Electrolux will outperform a cheap top-loader.