Thanks to the help of everyone here, I have purchased an XXV. We have not had it installed yet, but are very excited to do so. We currently heat with oil baseboard heat. We only turn the heat on, on the first floor. We keep the finished basement and second floor thermostats off. Even on the coldest days, the temperature in the closed off guest rooms on the second floor never get below 45*. Giving that I have no experience heating with a pellet stove, I was wondering if there is any reason that I should expect the pipes to be more apt to freeze? I will keep the stove heating the main floor 5* warmer than we did using oil, so I thought that would help make up any difference in the evenness of the heating method. I had considered getting a thermguard for the second level, but wasn't sure it would be necessary. Thanks for the help.