Good summary, and welcome!Just a list from personal experience:
Pro Retro-fit trim:
You get a nice looking new trim ring instead of keeping the old one that may look a bit dingy
The metal of the can is no longer visible due to the new trim ring
I feel like the light is actually a bit brighter/more even
Life span is generally longer
Against Retro-fit:
Cost is generally higher, but you are getting a trim ring out of the deal as well
When one goes out 2 or more years from now you may not find an exact replacement as style/technology is changing almost daily now
Pro LED Bulb:
Easier/Faster
Cheaper
More likely to be able to find one that's similar when one goes out
Looks more like a standard incandescent bulb (may also be negative depending how you look at that)
No need to replace trim ring
Against LED Bulb:
Bulbs typically have a shorter life span
Old, sometimes ugly/dingy trims stay in place
Again this is mostly opinion but a lot of this is experience based on my own house and how my customers have commented. Hopefully you find it at least a bit helpful.
-Lucas
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