Hello, newbie here, about to sign papers to build a house. The plans call for a gas fireplace but I would rather put a pellet stove in and cancel the fireplace and they would give us a $5,000 credit. My question is, would I be better off putting a pellet stove in the fireplace or freestanding. I have been told stoves in a fireplace lose a lot of heat? It is a 2,400 sq ft. Colonial in Massachusetts. Thank you!