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common sense tells us that an open fire in a masonry fireplace is MANY times hotter than a contained fire.
This is not true: with a fully open damper most of the heats exits up the chimney, never residing in the fire box long enough to build up.
A stove function is to reduce the exit heat. It does not have a constant 900 sq inch opening to allow cool room air to mix in with the fire
It has about 10 sq inches or less fully open. The fire place bricks are never exposed to 600 degrees or more radiating 24/7 with an open fire.
That is why close attention must be observed when adding an insert.
As for being built better this could be true but modern ones have not had that time frame to degrade. Most modern one in my town are inspected during the throat stage,
before they are allowed to continue. then inspected again during my final mechanical inspection. I can show you where built in the past was not better..
Right here while doing a donor installation Turnertheburners stove, had no cap. The first 12 roll of bricks could be picked up with ones hand.
I have opened up ash cleanouts and found as much as 55 gal barrells of motar deteriated bricks and clayflue powder
Only till the 80's was double wall bricks required I have seen 3 wall chimneys where the 4th wall of the chimney was the boards of the home.
I would not put a lot of credence to they were build better in the past. I'll take double wall brick construction over past single wall old motar any time.