OK, first off, thanks to everyone's input. After a couple days or thinking, research, talking to the wife, and a trip to a fireplace store, I think I've made some decisions.
1. The wood fireplace/stove will likely be in the family room. Like most said, why not enjoy the look of it where we are most often, and why not enjoy the heat where we are most often. Also, storage of the wood could be in the garage storage area, which is only a few steps from the family room. The gas fireplace, if we do it (didn't realize how expensive a wood fireplace would be!) would be in living room.
2. I'm shying away from the wood furnace. As much as I like the idea of relying on that to heat my home, the location in the large basement is a deterrent since it would involve so much manual effort..walking across the house, down the steps, then across the entire basement again. Doable, yes.. ideal, no. Also, I wouldn't be able to enjoy seeing the fire, like I would with a fireplace/stove in our main family room. Also I'm hearing that there are fireplaces out there that can almost heat the entire home.
3. The guy at the store was high on RSF units. I think we discussed the Opel and Onyx. Are people familiar with these? He seemed to think that if we used one of these units, it would do a good job of heating up the 1st floor, and we could duct the fireplace down into the basement and hook into our heating system. I was thinking if we have a 2 zone system, the fireplace ductwork could hook into the ductwork for the upstairs zone. Thus the fireplace would likely run non-stop during the winter, heating up the family room and kitchen/breakfast room area very comfortably, and maybe the heat would die down as we get to the other side of the 1st floor (DR and LR). But since we're not over there often, that may be acceptable. Then the heat would also get sent fed upstairs (into the upstairs zone ductwork) so as to heat up the 2nd floor. Does that plan sound feasible? I realize this fireplace alone may not heat up the home enough but it sure would reduce the need for a propane furnace (or heat pump) to run.
4. The pricing of such a wood fireplace seems very high. He stated it could run from $7-10K with material, install, chimney, ducting, etc. To compare, a wood stove install is much less expensive, right? We REALLY like the look of the fireplace over a free-standing stove, and we plan to be here for 20+ years, so money may not rule this decision.
Thanks in advance!