Earlier quoted context omitted.
Sweden is a lot colder than California, it's not surprising that better insulation is required.
Is triple glazing common, standard, or required in any part of the US? Is double glazing?
Where I live now we have single panes, but behind storm windows.
On the other hand, we know a family near Boston who live in a big old house. The husband, a mathematician, calculated that they would never recover the cost of replacing the windows. I don't know how far out he calculated, but I expect it was about 20 years.