Coating cost and useful life decisions
The quantity of coating is only part of restoration cost. Moisture removal, preparation, repairs, detailing and access can make up a substantial part of the work. A low surface-only price says little about whether those necessary steps are included.
The useful-life question also depends on the roof left underneath and the system applied over it. A warranty term is not a prediction that every roof will remain trouble-free for that period. Continued drainage care and protection from incompatible repairs still matter.
For an occupied building, restoration and replacement can affect access and disruption differently. Compare their complete scopes against the condition of the roof and the next use of the building.