What Miami changes about the decision
Everywhere else this is a cost question. In Miami-Dade it is also a code question, and that is the part national advice leaves out.
Miami-Dade and Broward sit in the High Velocity Hurricane Zone. Replacing a garage door here is permitted work, and the door you install has to carry a Miami-Dade Notice of Acceptance or a Florida Product Approval for the pressure at your address. Repairing like for like, a spring, a cable, a roller set, an opener, generally does not trigger a permit. So the moment the decision tips toward replacement, it stops being a same day job and becomes a permitted one with a product approval attached to it. That is worth knowing before you choose, not after.
The reason the code is strict is structural rather than cosmetic. The garage door is the biggest opening in most Florida houses. If it fails while the wind is up, the house pressurises from the inside, and the load that follows goes into the roof. Protecting that opening is why the HVHZ rules exist, and it is why we publish the approval documents for every door we fit.
Salt air is the other local factor. A door two miles from the water ages differently from the same door inland, and it shows first in the springs, the hinges and the bottom section. It is the main reason a Miami door reaches the replace side of the arithmetic sooner than the same door in Orlando.