How long before replacing? As long as the repairs are reasonable.
And I'm sorry, but if you have a husband, it is of my opinion that there is no excuse for any male not to be able to do any repair himself with the internet these days. I would call out the girls too, all it takes is a screwdriver and pulling the bad part and reinstalling the new part. It's not rocket science. With the internet, you could go out in the garage and tear down your car into individual pieces and put it back together.
My washing machine showed the same symptoms, wouldn't spin or drain. It had an error code, I don't remember what it was. I took the bottom front panel off (4 screws, again, not rocket science) and the drain is right in front with the pump. I was taking the pump off when I found a pencil in the drain among a lot of other stuff. You'd be surprised at the size of things that can get past the seals (ours is a front loader.) I cleaned out the drain, put it back together (again, nothing more than a few screws and some wire pugs for the pump) and it worked again.
Now the previous washer, the brace inside the drum at the bearing broke. Couldn't just replace the brace or bearing, all that was available was the whole stainless steel drum assembly for $450 (part only.) Yea, at that cost we just bought a whole new one for $500.
You'd be surprised at how much you can save by just doing it yourself with just the tiniest bit of thought. The $300 pump repair mentioned in an earlier post, that was probably a $30 part and $270 in labor. Two minutes with Google and half an hour with a screw driver and that repair would have saved $270.