Japanese is agglutinative, which basically means it aint never met a suffix it don't like.
Rather than trying to find a general rule, you'd be better off with a good dictionary with a few example sentences. 取り替える to me indicates a swap (often of an old thing for a new, replacement thing), 替える is somewhat broader.
Can you generalise these? (I'm seriously asking)
take-out (food)
take out (for dinner and a movie)
take out ("kill")
take in (a child)
take in (tailoring)
take in (deceive)