Yeah, check the tubes first, try replacing them.
Going rate for a 40gal installed is about $1000
Hot water tanks nowadays have a lifespan of 7-12 years, if you have soft water, more, if you have hard and never flush the tank, less...
Check the net for reviews on various brands... Rheem was the cats a$$ about 11 years ago when I bought mine, but that may have changed...
I'll also be in the market for a new tank soon...
PS and FYI - change the pressure relief valve on your tank every 4 or 5 years - its a $12 piece of mind, and really easy to do.
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