20 years isn't all that old, and seperate parts like the electric motor that turns the fan blower and oil pump can always be replaced. Probably, it's best to get the furnace annual new nozzle-oil filter-hot air filter & soot clean-out maybe every one or two years. For an older furnace, a 20-dollar carbon monoxide detector placed in the basement is a good thing even though carbon monoxide created by an oil furnace is usually a lot more smelly than carbon monoxide from propane.
How about a simple 5' wood dipstick to dip the oil level like what used to get used at gasoline stations.
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... down and out, liv'n that Walmart side of the lake!
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