jetsam
Minister of Fire
Well please check the actual building code before buying anything from him. It doesn't read as he claims.
I didn't say anything about codes, and I don't particularly care what the codes say. I am talking about common sense, safety, and performance.
A clay flue liner in a masonry chimney is perfectly acceptable in PA if done right. No need for a stainless steel liner, and certainly not a more expensive insulated one.
That's great for whatever accountant is in charge of chimney regulations in PA. Physics doesn't care what the rule book says, and your clay liner won't work any better if you make it legal or illegal.
I think that you have conflated two different issues, or at least conflicting engineering challenges. One is keeping the exhaust temp high enough to burn off creosote
That is called a chimney fire, and it is the exact thing that we are trying to avoid. You need to keep all surfaces above 250° to avoid creosote condensation.
the other is keeping as much heat as possible in the house.
Which I accomplish by using a very efficient stove that burns very low. I can only do this because my flue is insulated, otherwise it'd be a creosote factory. I could of course have an uninsulated clay liner, but then I'd triple my wood usage (at least) to heat a giant pile of exterior masonry to 250° and hold it there. That's a deeply unattractive proposition.
If your firewood is for heating your house and not the outdoors, then you want to keep as much heat in your house as safely possible and not send it all up the chimney. That way you burn less wood. Again, I think it's better to upgrade older houses if they have combustibles too close to a chimney than to just send more heat out the chimney and waste wood. That also isn't environmentally friendly as it results in more greenhouse gases being released into the atmosphere.
So if you want to burn less wood and not have regular chimney fires, insulate your flue. It's that simple. No study of local regulations required.