Yes it will add cost but if you are going to be using it for a stove that will be a major heat source you will end up lining it sooner rather than later anyway. And yes it will prevent all of that. When you insulate the liner you need no clearance to combustibles between the chimney and house. And all of the other issues are concerning the clay liners which you will not have.ok, will the ss liner make it crazy expensive? and if I do the ss liner, will it prevent all that other stuff from happening?