Grand Haven sits in a severe cold climate band, and that matters more for a garage door than most homeowners expect. A door installed without the right seal gap or insulation rating for this climate doesn't fail in July - it fails in January, when the bottom seal shrinks, the panel contracts, and a gap opens up along the slab that lets wind straight into the garage. Across the 11 named areas that make up most of the local stock, the bulk of homes were built in the 1960s and 70s, which means original openings sized for the lighter, uninsulated doors common in that era. Drop a modern insulated steel door into one of those openings without checking the jamb and header first, and you're fighting a mismatch from day one.
It isn't that old houses are poorly built - they're built for a different door than what's sold today. A correct installation accounts for both: the age of the opening and the climate the door has to seal against for the next twenty winters.