Good luck to you! Here if I can be of service....
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No matter what you decide, you shoul always keep your home in the best condition whether you are planning to stay or sell. the longer you defer any maintenence, the more costly it will be later on. I hope this has helped.
Russell M. Lewis
AvenueOne Properties, Inc.
901 W. Ninth St. #110
Austin, Texas 78703
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Selling Homes in Austin's Finest neighborhoods
Do the smart thing and update.. it will help you in the long run.
If you go with vinyl, I would add extra insulation. After all, you are living there until you decide to sell and there are people who have told me they cut their heating bills in 1/2.
If carpenter bees are a problem where you are, vinyl would be good too.
Wood clapboard is less of a problem, but from a marketing standpoint, I'd go with vinyl at this point.