4 level home, with pe wood insert on first level which keeps the first 2 levels nice and toasty. 24k btu propane insert on 3rd level with ceiling that graduate to 12ft with a ceiling fan,reluctant to run it too much because of the high cost of propane, and even when I do it isn`t really adequate to heat the 3rd and 4th level. Could I install something like the enviro milan insert with a set-back thermostat (programable thermostat). And say, if the settings were -- 6am 70, 8am 60, 4pm 70 and 10pm 60...would I probably use a bag or less of pellets per 24 hr cycle? Reason for asking this somewhat complicated question is I have spent $800 on oil this year for our old oil-fired boiler and $600 for that propane insert and $800 for wood that is delivered csd. And with that only the bottom 2 levels are at a nice 74-80f and the top 2 are usually sitting around 55-64f. Bottom line question is there any loot to be saved and comfort to be gained by swapping out the propane for the pellet insert?