I bought a Quad because I will answer anyway because my overall experience seems relevant to what the OP seeks.
I did some preliminary research online and that seemed to indicate I should look at a Harman or a Quadrafire insert. I was leaning towards the Mt. Vernon. It seemed to have everything I wanted.
I went to a Harman/Quad dealer first, they steered me away from the Mt. Vernon to an Accentra and gave me a total price that included a $1200 installation. They only sell stoves if they are installing it. Fine, I was going to have them install it anyway.
I wanted to do some price comparison shopping, so I went to another Harman/Quad dealer. I guess I must not have been dressed well enough, because they didn't treat me like a serious customer. I asked for an installed price and just got general numbers given to me, no details, no written quote. It seemed like I was an inconvenience because I wanted some concrete information. The attitude was that we're going to be the about same price as the other place you already went, so you already know how much you're going to be spending if you decide to do this. Fine, they lost a $5000+ sale.
Meanwhile, I started lurking here and considered looking at other brands. The Enviro M55C insert caught my eye. I found a local dealer, went there 3X during their advertised hours and the place was locked up and dark each time. Well, that was that... I'm back to Harman/Quad...
I went to another dealer that was further away, but has a great reputation and had been in business longer than anyone else in the area. They carry Quad and Heatilator, not Harman. Their initial quote for a Mt. Vernon installed was equal to the first dealer's quote for an Accentra instaled. Now, there is a significant price difference between the two units. The higher installation charges from the first dealer are the reason the total numbers ended up the same.
The first dealer did give my a price on a Mt. Vernon, basic black, no OAK. My actual cost for what I went with is equal to that dollar-wise. However, I'm getting an optional color, the optional decorative cast trim, and the OAK (with installation).
My Mt. Vernon will be installed five days from today.