when an insert is installed into either a pre-fab/factory fireplace or masonry fireplace, and no outside air kit is installed, and a stainless liner is installed, where is the combustion air coming from? ---inside air? will this not cool the house as replacement air is drawn in? or does the space between the chimney and chimney liner allow combustion air to enter the insert? I want to do an insert, but thought the real advantage was avoiding the consumption of inside air...