Tanks are generally rated for around 8 to 12 years. If yours is in that range and you're seeing a little rusty colored water at the base, that's a warning sign. It's good that you caught it while it's still a little water on the floor, because a tank that fails without warning doesn't give you that chance. The best step is having an experienced contractor look at it now, while the choice is still yours.
Watch for water that isn't as hot as it was, hot water that runs out before everyone has showered, a pilot that needs relighting, or rust or moisture at the base. Any of those is a good reason to call, and calling early keeps you in control. Repair gets weighed against how old the tank is and the hard water it has been exposed to. Replacement, if that's the answer, gets sized to the actual family and chosen calmly, tank or tankless, with the tradeoffs explained in plain English.
Waiting means making every decision on the day the water runs cold, and calling early helps you avoid that. One call at the first sign gets you a clear assessment, and the decision is yours. With the hard water out here, it's worth having the tank checked before it fails.