Want to buy an insert and want a comparison between the Quadrafire 5100, Jotul 550 and the Lopi Declaration. They all have about the same BTU output but the Lopi is flush as well so wondered abpout the heat output into the room as compared to the other two. Also I live in Dotchess County New York and has anyone had any experience with Countryside Stove in Red Hook and Tristate Chimney in Poughkeepsie.