Were I you I would have the coil cleaned and replace the mixing valve if the boiler is not leaking. That should cost a few hundred bucks. A lot better than $5,500. Once they flush it out I doubt you would have any sediment issues. Personally I hate coils and would never install another were I putting in a new boiler. In fact, my coil started acting up on my summer house and I put a super stor in, worth every penny in my opinion. That was about 6 years ago, old boiler is still going strong. But if money is an issue, I would have the coil cleaned and put a new mixing valve in.
I don't believe in replacing boilers until they start leaking, any increase in efficiency is small compared to the cost of replacement. I like to get every last penny out of stuff.
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