My Tacoma move last year ran $700 open after years of paying double for enclosed, and it showed up fine.

That heat exchanger crack is no joke and the thing most people dont get is it can kill you in your sleep without any warning signs. Carbon monoxide has no smell and no color so you would just feel a little tired and headachy and never put it together with the furnace. Your story shows why the $450 is cheap compared to what it catches, since spending $3,800 out of pocket later would have stung way worse than losing a little on the front end. What makes it even scarier is that new paint and floors and a shiny kitchen can hide stuff like that, and sellers often have no clue either because they never looked. A good inspector checks things you would never think to look at, like the inside of the furnace or the attic or under the sinks where slow leaks rot the wood for years. For anyone reading this, never let a seller talk you out of an inspection or push you to use their buddy who will just rubber stamp it, because that one hour can be the best money you spend on the whole house.