An inspection of my A/C revealed a cracked heat exchanger. I confirmed it with another A/C technician of my choosing, and again with one of theirs. None saw any evidence of anything other than normal wear and tear. Choice home warranty rejected it because they concluded the crack was caused by "a corrosive build up on the outer shell and rust which causes premature cracking". By the way, the A/C is six years old.
Attached are pictures of the heat exchanger; draw your own conclusions as to the "corrosive build up".