I'm pretty new here, but I've been reading and learning a lot from everyone. This is better infromation and knowledge than I have come across anywhere else. I'm just about ready to pull the trigger on my first wood burning insert. I've been over analyzing and researching this to death, but I think I've got it narrowed down to three choices. I was hoping to get some input from the experts, especially anyone here who has first hand experience with any of these. The three finalists are: Napoleon 1401 Osburn 1800 Osburn 2200 I have read very good things about both inserts. I haven't found much negative about the Napoleon and I like the looks. Every review seems good and I really like the price. I absolutely love the bay design of the Osburn, but have read both good and not so good reviews. Any input, pros, cons, thoughts, etc. would be greatly appreciated. The insert is going into an existing masonary fireplace in the lower level of an approximaely 1800 square foot tri-level. I live in southeastern Wisconsin, so it does get pretty cold here in the winter; although nothing like some of you get. I'm also thinking of doing the install myself. Any thoughts on if this is a good idea or not are also more than welcome. I consider myself pretty handy and usually tackle most home projects myself. From what I've read, it doesn't seem extremely technical. My plan was to have the existing chimney professionally cleaned and inspected before I put the liner and insert in. I'm also not sure if I need to insulate the liner. I know, quite a few questions from a newbie. I really appreciate any help you can give!