Anyone who offers you a long term maintenance contract will try to get you to replace it when it starts to get unreliable, but yes, new boilers are flimsier and IME won't run fault-free for more than four or five years. And I wouldn't call BG a 'rip off' - if a big brand and an A1 service with immediate response is crucial, use them. £600 isn't excessive for a proper power flush, either, where two blokes take all the radiators off, lug them outside and get black gunge everywhere, but that isn't usually necessary.
I'm in exactly the same position as you, with a 15+ year old Vaillant which has started to play up and with one clogged radiator. I'm getting a local gas engineer to replace two parts for about £50+ his labour, a non-power flush of the whole system and a de-clogging of that radiator. The downside of using a local lad is that it's taking him three days to get the part and the flushing will need two visits, one to stick the ingredient in and a second a week later after it has done it's work. Do get a recommendation for the gas engineer, because the last one I spent £100 on didn't solve the problem, so I suppose that has to be factored into the non-BG price as well.