Just had the greatest phone conversation. The oil company who I have had automatic delivery with for 12 years said I will no longer be on automatic due to low oil consumption. Briefly - before installing my XXV last October my historical average oil use was 900 gallons a year. I have an oversized Raised Ranch 30x60 footprint with a finished basement. Heat and hot water with oil. In the last 12 months I have used 300 gallons of oil prompting my oil company to make the call. So I figure if I am eliminating 600 gallons a year.. $3.50 a gallon... $2,100 a year less in oil. I burned 3 tons of pellets last winter (furnace never was needed for heat.. just hot water) which cost me less than 900 with delivery. I saved $1,200. And my house was warmer than I have ever maintained it!! Payback on the stove should be in 3 more years. Had to share the news!!