I finally pulled the trigger last year. Last winter, the snow on my roof broke some beams in one section of my house (just happened to be the area of the house where i wanted to put a stove). The insurance company paid to fix the beams and roof, which also included a new ceiling in that are of the house. So I asked if i bought the through the roof kit if they would put it in while everything was apart. They charged me $50 to put it in. This was in the spring, so i had all summer to find a stove and start gathering wood. So in October we started burning. I did use oil, still do periodically for during the night, and during the day when we are all gone or 8+ hours (dont like to burn when im not there), and by this time of the year i should have had at least 2 fill ups of around 200 gallons and probably one more after that, which equals about $550-650 each fill up, or around $1600 a winter for oil (with these prices). Well my stove has already paid for itself. I have got one fill up at around $625 (i was empty) and i expect that will last me through the rest of the winter. I paid around $600 for my stove, so im at about $1200 so far with the stove. But if you think about it, after the installation kit and some wood for this year, I will probably break even this year, and then every year after i will really see that savings. Plus i can keep the house warmer, i have a small house so it doesnt take much to get it warm, mid to high 70's feels perfect when it 20* out!