Last summer installed a 28' stainless steel flexible liner with the suggested insulation wrapping the pipe and stainless steel mesh. It has worked fine but I will be installing a new insert when the weather gets better and am thinking about changes I can make. The chimney is a internal chimney with the back side of the chimney in the kitchen. On weekends when we burn consistently, the brick gets reasonably warm on the kitchen or backside of the chimney. If I were to remove the lower 6 feet of insulation I am assuming that I would have more heat conducted into the bricks and would get more heat in the kitchen? Is this a bad idea? We have an excellent draft and I am assuming that creosote build-up it really a concern at the top of the liner as that is temperatures are the lowest? How effective is the insulation and would I see much of a difference?