I'm new to this whole insert game. Just bought a smaller home (~1,000sqft on the main level and a little less upstairs) with oil heat and would really rather not pay that bill every year. The ROI on a CNG conversion isn't there - nor am I interested in relying on a single heat source, environmental impacts, etc. We're looking at inserts for the fireplace and have all but settled on the Lopi Cape Cod Insert. Biggest concerns are this: 1) It appears we may be 1-2 inches short on the "combustible clearance" requirement from the ground up (36-7 inches versus the required 39). Is this a big deal? Do we really need to alter our mantle in some way? Is this a fire hazard danger or does Lopi overestimate? 2) Is the blower really loud? The concern is it will be an overpowering noise throughout the winter. 3) Do we need a dedicated juncture box in the fireplace or can we run an extension cord down through the back of the fireplace to the clean-our door at the base of the chimney in the basement? Of course the capital outlay is what's having us be super cautious. Here's our set-up: Thanks for any help!