How is your house laid out? Is part of it two story, part one story with the cathedral ceiling? Is it open floor plan or several smaller rooms closed off from one another? Do you sleep upstairs or down? Like it hot or cool? Do you foresee the day when you may build an addition, and if so, would it be out or up?
What does `average' insulation mean? (To me, it means `not very well insulated', because I have a(n irrational, probably) prejudice that has me convinced that most houses are woefully underinsulated. How have you heated your house in the past, and how much fuel has it taken over the course of a year?
Is it just you, or do you have a family? Do you all define a comfortable temperature the same way? I agree about the ceiling fan--that will help a lot with comfort, as will a high-mass hearth that will soak up heat and release it over time.
Those are questions that would have to be taken into account when you make your final decision. It can be pretty tough to make the choice, but it's worth taking the time to really think all these things through, because it's important to be happy with what you choose.
I have a Heritage, very happy with the stove. But getting to the point of making the right decision was not easy. This site can help with the learning curve involved.