OIl burner kicked in last night, as someone who likes to be cold left all the windows open! I closed the windows, turned down the thermostat and piled the blankies back on. No insert here (still a distant plan) and a fireplace fire at 3 am is not a great idea ... It's definitely been cold enough down here at night to think about it, but not quite cold enough to actually do it. Spoke with another neighbor who was pondering the same thing. On the other hand, the charcoal barbecue has been very busy this weekend.