Under ideal conditions, top quality cartridges can exceed 2,000 hours of playing life. But, you have no way of knowing if records played were pristine and impeccably cleaned, that alignment and setup were optimal, etc.
I would guess that a big consideration is whether you would settle for the cartridge being re-tipped by someone like SoundSmith, which does it for much less than the manufacturer replacing the stylus.
I would guess that a big consideration is whether you would settle for the cartridge being re-tipped by someone like SoundSmith, which does it for much less than the manufacturer replacing the stylus.