SpeakEasy said:To get back to your original question - do efficiency ratings mean anything? Well, I'm sure they mean something, but I think there are a ton of other considerations that probably outweigh them.
At any rate, if I were you I wouldn't give a lot of weight to efficiency ratings.
-Speak
Great advice Speak. Thank you. What you say certainly makes sense. I will give top priority to issues like reliability of the manufacturer, quietness of the fans, and the aesthetics. And, dry wood

BTW, do you know why forum members keep mentioning "inserts" when I am building a new home? Are they not for inserting into an existing fireplace?
Thanks for simplifying the process,
Richard