I think I know the answer. I have a Jotul c450 insert with a fully insulated lined flue in an exterior chimney. I plan to install a block off plate but haven't had the chance. We had relative ( don't laugh all you northerners ) cold temperatures for South Carolina 16 degrees. I noticed that the insert didn't put out as much heat as normal. Is because most of the heat was going to warm the chimney? ls a block off plate more and more important the colder it gets?