I'm going through the same thing. I keep the house at 73 at all times (in Az, its like 110 outside), and have never had any issues. A few weeks ago I noticed the house was 76... then 77.. 78, and the Ac wasn't ever catching up. I called an HVAC guy and he came out and told me I had a leak, he used a sniffer tool to try and find out and he thinks its in the coils of the unit itself. The entire house is 7 years old, so I wasn't thinking it should have any major problems. He charged me $400 to refill the coolant (waving an $100 fee just to come out when I asked him too), and told me that would get me by for a bit, but because of the leak it might be 2 days or 2 weeks, anyones guess.
To fix the coils its about $4,500, but his company insisted 10 years is usually life on AC units in AZ, and they would recommend I replace everything for $11,100 (Originally he started at between $14k-$17k, but I bitched and moaned it down). I ended up calling my father in law who is an HVAC guy and he said the $11k is probably fair, he agreed 10 years is good for AZ and recommended I do it. I then talked to other people who know jack shit about Hvac who were like "Whats the hurry? It might have been leaking for years, sure it might last 2 weeks... but it might last 2 years. Hell, even if it just lasts one, might it be cheaper to just fill it up every summer for a few more years before you swap everything out?" and yeah, beats me. My dads AC is 27 years old also here in AZ with no problems, so fuck me on an $11K bill for a 7-8 year old one.... I've just been sitting on it for the last week unsure of what to do.