Jon, what the guys here are telling you is absolutely correct. Spending a little money in order to do something "right now", in a semi emergency frame of mind is a recipe for disaster when it comes to burning wood.
There are no shortcuts to a system that will give you the service and performance you are expecting.
Most of what you hear from the sales people in the OWB market is not true. Especially when it comes to the performance of an OWB and as you saw above, the underground pipe. There are a lot of guys here who believed the hype and paid the price by having to spend all the money again to do it right. They are telling you the truth.
If you don't have the shekels to do it this winter, I would sure advise you to wait until you do. Otherwise you will wind up throwing good money after bad.
We are bashing on you. In fact we love you and want to help.