so im really looking into buying a pellet stove and i looked at the manual for the stove i am looking to buy and it says for the floor protection as long as the board that is under is fire retardant there is no need for r value and say that its only is there for there possible embers when clean out the fire box. so do i really need to buy or make a fire board? i have hard wood floors and i really dont see it to be a problem but if it is what would you guys suggest so i dont break the bank buying a stove board