It is hard to get a good ROI replacing relatively modern, double-pane windows. Replacing single-pane windows is very likely to get a good ROI. Aluminum makes it more likely that you will get a good return, it doesn't insulate at all (at least the way old windows are built).
I can understand the reluctance to DIY it, but
a) it is not that hard
b) professionals don't necessarily do a good job
One way to save is to use new construction instead of a replacement window. They come in pre-defined sizes, which may not fit your opening perfectly. That's fine, you can build up the inside of a rough opening, and will end up with a window that is a little smaller. In addition to being cheaper, they seal much better against the exterior. It is important for two reasons: less chance of water infiltration (which can ruin your wall), and less heat loss.
When taking measurements, make sure to check if rough opening is square - I had a very close call because I didn't check for it.
When looking for contractors, references unfortunately don't matter much. Most people can only assess appearance, and contractors are pretty good at making things pretty. Quality of sealing and insulation is invisible and largely ignored. This circles back to replacement vs new construction windows - it is harder to screw up with a new construction type.
The fact that not all your windows open will help you save a lot on both replacement cost and heating/cooling costs. Fixed windows are much cheaper and airseal like crazy.
If you decide to DIY, I would start with a smaller fixed window on the ground level, on the back or side of the house, on the ground level or facing the deck, where you can work without a ladder. It will let you access if this is the kind of work you can take on, and if it is, practice and gain experience. Worst case you will hire someone to finish what you started. Little risk, potentially huge savings. Invite friends and family, they may be interested in getting experience - mine were.