I want to put SS flex liner in a brick with TC liner fireplace chimney. They say it should be insulated for best draft, but....(showing my lack of experience) Is it really flexible after wrapping it with that hi-temp insulation? Seems like I might as well use rigid pipe liner. Of course, the lower portion has to be flexible to fit in. A local dealer said they don't usually insulate in our (temperate) area. Thanks for reading.