I'm currently looking at the buck 74. I want to use it as a insert. It will be going in a fireplace that is about 30w x 28d x27h. It does have fire brick and cinder block behind it. Mantle is made of brick. The store I'm buying the stove from tells me I need the 74zc zero clearance stove. It about 600 more than just the 74. My question is do I need the 74zc or can I just use the 74 with a surround. Most of the pictures ive seen being used a insert with just a surround with a brick mantles. Thanks