So your telling me and everyone else that has a stove it's unsafe? I built a built out that surpasses everything in the manual and when burning the walls don't get hot at all with actually proof yet it's unsafe?
Time will tell whether it's "Safe or Unsafe". The thing is, most if us would not take the chance when it comes to something that could threaten our lives, or the lives of others in the home. What you consider "going beyond what is called for" is actually the bare minimum, if you elect to bypass even 1needed safety procedure.
BTW, 101 is not exactly cool for a wall that has drywall on the top half.
You asked for input, and now that you have gotten it, you are getting defensive to those that are offering you very sound advise.
If the specs call for 1" minimal nonflammable base, at whatever insulated value it calls for, that is the minimal.
That means cutting out the wood or PVC flooring or whatever it is, and setting a proper hearth extension.
In the photo you posted, that pad is barely going to contain anything on the sides. we can already see the ashes or whatever has come out and is laying on the pad, a few inches from the sides.
It takes very little to cause a house to burn to the ground. When it comes to burning, especially if you are seriously thinking of heating with a wood burner, it always pays to, meet ALL specs, and surpass them. Sure, you can build whatever you want, but whether its safe or not is another thing.
You've burned in a garage, with cold concrete floors for two years. Congrats. That's another possible hazard in itself.
You asked for input, you got it, then you fought the advise given. Many of us have been burning for many years, and continue to learn to hone our burning skills. Going into burning wood in ones home with a cavalier attitude, is never a good thing.
Maybe instead of getting all butthurt, after you asked for input, and so many took the time to offer some really good insight.
You should see past your pride, and realize these guys have nothing to gain by giving safe advice, and you have everything to lose by getting all upset and dismissing advise based on experience, and careful thought.
You won't get any more input from me, no worries. You already know it all and have it covered.