I think right now at least our budget is good for the osburn or buck stove and insert, but wasn't sure if we should try to make the hearthstone work, which would be a stretch to say the least. If I didn't need the chimney liner too I would seriously look at doing a self install on the stove, but would sleep better at night having the chimney work done by a professional who has done it before. I am pretty handy, but not a big fan of messing with fire or electricity