That's a solid point about the headers. Reminds me of a job I did a couple years back—homeowner thought it was just surface rot around the window trim. Once we opened it up, though, the header was practically mush. Ended up having to replace a good chunk of framing, which wasn't exactly what they had budgeted for. It's easy to underestimate how far moisture damage can travel behind siding and flashing.
One thing I'd add is that sometimes the signs aren't obvious at first glance. I've seen windows that operated fine but had hidden structural issues lurking behind. Have you checked if there's any noticeable sagging or uneven gaps around the window frame itself? Sometimes subtle alignment issues can hint at deeper problems...