Guys I have been reading for quite a bit and have noticed that most people that use pellet stoves and wood stoves are in the northern climates where its colder then all get out for long periods of time...we have oil heat and maybe use $900/$1100 worth of oil each year...now granted the house is pretty cold because we leave it set at like 65 during the day and 60 at night...we do have an older Buck wood stove insert that needs a chimney liner before I would feel safe using it...so my question is do you think its worth it for our fairly mild NC beach winters to justify the cost of a pellet stove or even a wood burning insert...other than having a warmer house I gather it will cost about the same as it is costing us now plus the cost/installation of the unit...