On the contrary, it's quite similar. Those items require no maintenance and provide little to no warning before they fail. They go from fine to not fine in a step function. HVAC is like that. By your own admission, there's nothing one can do to prevent the kind of coil failure that took out my old system.Not the same. Not a valid comparison.
You've provided no alternative beyond a vague concept of proactive replacement as a form of maintenance. You've only identified age as a useful criterion, and it's quite debatable how useful that is. Our friends in Phoenix are lucky to get 10 years from a system.
The specific reason that proactive replacement of system like this is unwise is because the lifespan is highly uncertain. Yes, you might have half of them go bad in 15 years. But 10% of them might go 30 years. 5% might go 35 years.
And as a homeowner, you have no idea where your system falls within that wide life distribution. You could replace it at 15 years. But if yours was one of those that will go 30 years, you just spent a small fortune replacing something at half of its life.
When the lifespan is highly uncertain and the fail modes unable to be prevented, reactive replacement is perfectly rational if the downtime is of similar consequence in all circumstances. That's exactly the case here.