Thank you everybody for taking time to give me all this helpful information. I think I'm going to cancel the install, and just wait until the off-season to deal with this. That Grizzly stove essentially heated the first 2 floors of our house growing up, so I thought it would have no problem heating my house, but it seems like it's just not worth paying $3K to install something not ideal.
So, do you guys think it would be possible to find a GOOD (new) EPA approved insert during the offseason and have it installed ALL for less than $3K?
I know that my dad and I could do the install ourselves (my dad built every house I grew up in himself [foundation, framing, plumbing, electrical, etc..]) BUT... I've learned that sometimes it just not worth the time and effort to do something that will take me days with lots of potential to make mistakes (and up spending money on things I would never think about, like Ed on the boom lift). Plus my Dad is in his 70s now so he's slowing down, and getting on the roof with him will give me flashbacks to my childhood

. So, I'm still weighing it out, but my thought is to find someone to do it at a fair price.