Wanted to update this thread, because everyone was so helpful. We had the good folks at Atlantic Chimney out of Easton come out and take a look. Joey's opinion was that the smoke was from the reload, and that the barometric pressure was keeping the smoke close to the ground, which is what freaked my wife out. He also ran a video camera down the chimney, which we plugged via USB into my computer, and he took me on a tour of my chimney. Simply put, after three full winters of burning regularly (if not continuously), my stainless steel liner looked, well, brand new. There was no chimney fire.
However, there is some damage to the stainless steel liner, not from any fire, but from the overly-aggressive fire department that shoved a brush down the chimney which, according to my wife, they apparently tamped down with some kind of steel rod. Two tears in the top of the liner right up by the chimney cap. Chimney guy is crafting a stainless band aid for the tears, and will give it the CSIA certified stamp of approval once he puts the patch in place. He said I was lucky I didn't have a hole in my roof from the volunteer firefighters who can be, well, let's call it exuberant.
Thanks everyone, burn on.