Most of South Elgin went up around 1996, which puts it a full decade newer than the median build year across the wider Elgin service area (1986, spanning homes from 1956 to 2009). That matters for panels because the mid-90s wave of construction used a narrower set of steel door styles than the mix of older and newer stock you find elsewhere in the region. A lot of these doors have never had a panel touched since the house was built - the original section is still on the door, original hardware bolted to it, and the finish has had nearly thirty years to chalk, fade, or rust at the bottom seam where snowmelt sits. When one section finally gives out - a car backed into it, a decade of moisture working the bottom rail - the rest of the door often doesn't match anything currently sold, because the run that built it is long gone. That's the actual failure here: not the panel itself, but finding one that doesn't look like a patch.