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This question can be a tough one to answer. The general rule of thumb is if the computer is meeting all your current needs and you plan not to increase your usage or features demanded then there really isn’t any reason to upgrade.
However, this gets a little grey when considering if your PC is worth fixing or if it is better to simply upgrade your system all together. This decision has many factors if you really are not in the position to replace your PC then the decision is easy, repair it.