When I say "coaling," I mean that the load is no longer emitting smoke for the cat to burn, not that the splits are merely covered with coals but have wood inside that's still gassing. If your flue temp is at 400, maybe the cat probe is still showing over 500 but not actually burning anything.
I'd think that with the insulation in your house and your mild climate, you probably often ride the coals for quite a while, whereas Ashful, in the stone Hobbit house, may have to load sooner to keep the cats cranking and thus be working the cats harder.
You haven't showed her how to run the stove yet? I was guilty of the same thing, but have been getting her up to speed of late.
What will need to be exterminated, all the birds that flew down the flue because you don't have wire on the cap?
That's what I've read but I've never done an A/B test to confirm it. I'm sure several others have, though.
Those White Oak splits might get appreciably drier over the summer, unless they are bigger than 4" on a side.