Help Choosing Insert: Clydesdale or HI300

Hello - I'm new to the forum and to stoves in general. Just moved into a new house and looking for ways to offset the massive oil bill. We have two fireplaces in the house, so it seems like a good opportunity to add an insert. The house is about 2000 sqft and was built in the late 70s. Two stories with unfinished basement. Fireplaces are located in the living room and dining room, with chimneys running right up the middle of the house. I'm leaning toward a wood insert over pellet. As nice as the Harman Accentra is, I feel like I'm watching a blowtorch.

So I think we've narrowed the choices to two inserts: the Clydesdale and the Hampton HI300. Having a hard time choosing between the two. I like the appearance of both, and both seem to have good reviews here. The HI300 is coming in about $450 cheaper than the Clydesdale ($4250 vs $4700 installed).

I guess my questions are:
1. Am I getting decent prices
2. How do you think the units compare?
3. Will these units cut my oil bill enough to show some return on my investment?

Thanks for your input.
Mike

Thanks for the replies. I do have room to store the wood, but I don't anticipate having consistent access to free wood. I expect to scrounge a little here and there (I do woodworking as well, so I'm on the lookout for pieces I can turn). For the most part, I'll by split wood and store it in the yard.

I really like the brown finish on both units, but when I saw the cost I thought I could live with the black!

I looked at the Boston but the price came in around $4900. Another local dealer had a floor model Enviro Empress pellet stove at around $3900 installed. Maybe I should go that way? I'm just not sure I like the look of the pellet fire.