Honestly, all I want is a house that is electrically up-to-date/safe for me and my family. It is the electrician who is suggesting a full rewire.
I am on a tight budget and I'll rather the house be electrically safe and have no paint on the walls. Although, not waste money that I don't have.
Wow, wish my customers were like you. Most of mine are just concerned about their new kitchens & bathrooms.
My house was built in 1989, I wouldn't really need to test to say it doesn't need rewiring. That said, it seems most manufacturers only give a life span of twenty years for their pvc sheathed cables. Think they are rather cautious. If your house hasn't been subjected to DIY alterations, then as others have said perhaps a partial rewire, using the good bits.
It's your money, so do what you feel most comfortable with.