I am having a Wood Stove Insert (Regency I2400) installed in my home. I live in New Jersey and the people that I am talking (some dealers and installers) are saying that I do not need to insulate the stainless steel liner because it is not as cold here as other parts of the country. My chimney goes through my garage which gets cold in the winter. I have a Ranch home and Chimney Height is about 17'. Would love to get some suggestions. Also the liner that I am getting is a Flexible Stainless Steel 316Ti. Is that sufficient or should I go with a thicker liner? Some say 316 is fine others say go with a 304. Thanks in advance for any suggestions!