How many moving parts are there in a boiler anyway? There is a gas valve and a pump, but not much else – so two or three moving parts, maybe a few more if you include relay’s? I guess combi boilers are more complex and as a result less reliable overall, but these days decent combi boilers are super reliable now. I suspect most peoples problems with boiler reliability is more to do with the broader system and the installation itself rather than the boiler. Yes gas valves can pack in as can circuit boards, but they are relatively easy and cheap to replace and will usually last a good 10 years or so at least before they give up the ghost, but other breakdowns are probably due to incorrect spec’ing of a boiler in the first place, incorrect installation, dirty systems chucking loads of crud at the thing etc.
The in-laws got a cheap boiler installed a while back which started to have issues pretty soon after installation…maybe 18 months to 2 years. Turned out it was due to crud build up in the boiler due to the cheap fittings causing galvanic corrosion with the copper pipework it was connected to. More expensive boilers will use different materials for the fittings to prevent the galvanic corrosion. You’ve got to ask yourself why are cheap boilers cheap. Not everything is down to marketing and milking brand value. There are sometimes genuine engineering reasons why one branded product is more expensive than another.
Having said that I had a Glow Worm boiler in my current house when I moved it. It broke down a couple of times due to a dodgy gas valve after about 15 years of service (about £200 to replace) and a circuit board issue (again circa £200 to replace). It was working fine when I replaced it and it was only replaced as I wanted it re-located when we had an extension built, and it is now not allowed to re-locate older and less efficient boilers, so it was condemned. I then got a Vailant installed which has been fine…have had a couple of issues, but not the fault of the boiler, was a fault of issues with the broader installation (dodgy pump, dodgy zone valve and the timer being taken out by a leaking drain pipe fitting). The boiler itself has not missed a beat.
I guess there might be some logic in getting a cheaper boiler and maybe investing in some form of breakdown plan once the warranty expires. But whatever you do install a magnetic filter if you don’t have one already. Relatively cheap, easy to self service and will protect your boiler.