Want to thank everyone for answering my persistant questions. Installing this insert had me a bit nervous. Anyhow no one locally could even come close to matching the online price of liner, so I went the online route. I also questioned whether to insulate or not and it came down to the piece of mind was worth the $189. I have an unlined chimney and as much as I tried there was no way all the creosote was coming out of there. I finally reasoned my way into purchasing the liner as I just went out and replaced extinquishers, batteries and a few detector and it ran me over a $100 and I thought that was cheap insurance so the $189 will let me sleep well knowing that it is done as good as it can be. So now I can begin the hearth build. I will get some pics up and keep everyone updated. Again thanks for the help.