Shoot mine looked like that years ago, they just get to chugging a little more and they make some mildly disturbing noises and all but beyond that they keep on getting it, I'd have to guess it's been at least 2 years since the last service on mine.
My attitude is if it ain't broke don't fix it, and on that same note I run'em till the wheels fall off.
So long it doesn't require kicking, it's fine, gtg.
Oh I mean, by all means do start putting the money aside now.
You've got some advance notice, I would start saving enough so you don't have to finance this.
And I would be for having it serviced, that is, unless you have an air pump, this forum gives me some ideas on what to do on mine tomorrow, might take the electric bill total back under 900 a year, it jumped to almost 1,000 for the year...