This is my first year with both a stove and an insert. In the past when the temperatures dropped below 15 degrees the stove couldn't keep up and the furnace would still kick a few times an hour. Since the furnace runs through uninsulated ducts to the living space, I never worried about pipes in the unfinished basement with ceiling insulation only from freezing. Its -4 now with a prediction of -14 in the next few hours. I'm holding my first floor at 72 and 2nd floor bedrooms at 67 on wood alone, but I just decided to bump up the heat on for 15 minutes while reloading to warm up the basement. Am I over thinking this? FWIW the 87k btu output gas furnace running through those uninsulated ducts only keeps the house ~75 degrees warmer than the outside temps. Looks like I can do that well by tossing 3-4 silver maple splits into a VC Madison and Jotul 550 every 3-4 hours. I can only imagine what it would be like if I had good wood this year.