My original installer too advised me against a system boiler for exactly the reasons of maintenance and parts changeability. So no real regret there. The only time I had wished I had installed a system boiler was when the Vaillant engineer said, users rarely see an S53 on a System boiler, because it modulates it's heat output downwards, if the system cannot cope.
Your 438 should also modulate downwards equally as well!
In practice, as you have discovered the 438s do seem to give more S53 problems.
A boiler should be rated on the heat loss of the house. Your's will not be very high.
You might think that extensions significantly increase the heat loss. But because of the current good insulation requirements most extensions make quite a small difference. In fact loft conversions often actually reduce the heat loss.