Stihl and cityevader (and anyone else who can't get the heat up)
Don't give up on us now - we are going to get these unit working.
First - don't let "5 inches" of ash accumulate - keep it below the intake. I have to shovel some out each day, and I move it away from the intake to prevent clogging. I burn 5-8 hours a day, and remove a 2 gallon pail a week. The firebox needs the space in it to allow air to circulate, or it won't burn well - it is a small box, as we know.
Stihl, how hot are you getting the unit? - I get mine up to 750*F before the fan comes on (15 mins is what it takes me with dry wood), and I keep it there when I burn. If you can hold your hand in there, then your flue temp is low, and you aren't running the stove hot enough. I can't hold my hand inches from 750*F metal for long. As a millwright, do you have access to good IR thermometer? If so, take some temps and fill us in.
As for the science of the block off plate - once you get the heat (it doesn't sound like yours is getting hot) you will have convective leakage up the flue. The top may seem tight, but it likely isn't air tight. I know my flex fits thru the collar at flue top and has gaps in it - I would have to seal it with stove cement to make it air tight. The brick isn't an airtight seal - ideally it is very close. With the high temps inside the flue, the 800-1000F steel liner is going to heat the air and cause it to move (stack effect). It will create it's own circulation, just like a house will if it leaks at top and bottom.
A brick flue isn't an air tight unit - Many have two sets of liners (one for oil and one for your insert). If you have a clean out door, then air will enter that door and leave out the top of the oil side (You could pull a string from top to bottom). That air will cool the liner as it circulates. Yours sound like a single flue unit, so this leakage source may not apply. My flue had an old oil boiler in it, and the tiles an that side were wrecked, so air entered the flue thru the boiler and the clean out, and mixed around the stainless liner side. Then it exited thru the oil flue top. Oil is now gone, clean out stove cemented shut, and the top covered over.
Even if the brick flue was airtight, there would be rising and falling air along it's length as convective currents build, with hot air rising from the stove until it reaches an equilibrium temp, then falling down to be heated by an increasing temp of the liner and more warm air from the stove. The air at the top inside the chimney will be colder than the air further down that has the advantage of being closer to the stove and protected from the elements. This cold air will fall (actually be displaced by rising warmer air). This occurs around your liner anyways regardless of a block off plate - the block off plate makes it a closed system, keeping the airspace inside the chimney separate from the airspace inside the house envelope. This is my very poor description of convective circulation that will occur inside any chimney around a steel liner. I hope it helps.
So, in the end, get it hot hot hot, keep the ash from building up more than an inch, and see what you get.
Here is a post I built on how I get my fires going - those posting here have already seen it, but those silently reading at home may not have, so here it is again -
https://www.hearth.com/talk/threads/31393/
Keep warm. We have 30cm of snow and 100km winds on the way in the Maritimes. Brrrr.