We are replacing all of our windows in our 1979 ranch style brick house in Dallas, TX. We are thinking vinyl, the house is not huge and I do not want to do wood clad (which I love) because the value of the home does not support that kind of improvement. I had a Pella rep come out, but after reading up more on windows I am not so sure they are the best way to go anymore. Pella said I need ALL my windows tempered because I have all windows at ground level (sales tactic?), also that we would need to pay for permits (we are not changing any structure, why would we need permits?). I am leery of small companies that may not be around and would love some suggestions. Thanks so much for any help!!