You will love the 550. We have a similar home to yours and last year we never turned on the infloor heat on the main floor, only in the basement! We installed an extra ceiling fan in the adjacent room running in reverse and the air circulated throughout the whole floor. The Jotul works like a dream; after a rather steep learning curve. Last year our wood was not completely dry so we would bring inside a large supply of re split wood and let it sit in the heated rooms for a week to dry. That made all the difference. This year we had 6 cords split and stacked by New Years, not soon enough but better then previous year. Good luck, start small fires when you can open the windows.