Time to get out of the classroom teach and into the real world.
There's a notable difference in heating efficiency vs combustion efficiency. To note the difference in heating efficiency between a freestanding stove and an insert try turning off the blower for a week on the insert. An insert and a ZC fireplace require a blower to achieve good heating efficiency. This is particularly true with flush faced inserts. Most if not all ZC fireplaces are flush faced.
Since when does an insert burn less efficient than the equivalent stove? The PE Super certainly posts the same numbers. The OP also made clear he wants no freestanding stove, so differences in heat distribution won't matter.
There's a notable difference in heating efficiency vs combustion efficiency. To note the difference in heating efficiency between a freestanding stove and an insert try turning off the blower for a week on the insert. An insert and a ZC fireplace require a blower to achieve good heating efficiency. This is particularly true with flush faced inserts. Most if not all ZC fireplaces are flush faced.