My husband and I are purchasing our first home and have always been apartment dwellers. It has a ceramic fireplace insert and electric baseboard heat. We want to pull the fireplace insert and replace it with a pellet stove. The prior owner has paid $600/mo in winter for electricity. We are a bit overwhelmed by everything we've read. Harman or Quad via a dealer, or englander/summer via home depot/lowes. It's a split level contemporary. The living room where the fireplace is faces the kitchen/dining are which sits above like a balcony. the master bedroom is off to the side (also on the floor ABOVE the living room). The lower level of the house is 2 spare rooms and 2nd bath. We don't plant to spend to much time in there. Here is the question - for our first stove (keep in mind we have very limited resources as we move in) do we spend the extra $1000+ n the harman or quad, or get a cheaper model? In terms of warranty, ash pan? And do the cheaper models not include the blower set up?? Will we regret it down the line? Is there a better alternative heat solution that we are missing altogether? I guess I'm wondering if we will see a real return on the investment with a major reduction in electric/heating costs. Also - are the Enviros the only brand that is eligible for tax credits in the US?? Any feedback would be greatly appreciated.