95C4

I ran over an bucket and it tore up my front bumper. I'm going to have insurance cover this as it was determined not to be my fault (it fell off a truck) and the adjuster presented the bodyshop with an estimate. It included replacing the condenser and the radiator, both of which appear to be working. I have the option of saving $500 by not replacing these (insurance pays the bodyshop just $36/hr for labor) or having them do the full repair. It's a 2000 S4. Is it a no brainer to go forward with the radiator and condenser since it's just $500 and would be significantly more in the future if I need to replace them? I'm just not sure how often these fail, or what it would typically cost to replace. Thanks.