I'm going to be ordering SS Flex in the next couple of days, but I'm struggling with whether or not to order an insulation "sleeve" for the flex liner I order. I get conflicting ideas when reading past posts on this site and am just wondering what the consensus is? My chimney is a 25' external chimney, 8x8 terracotta flue. My sweep said I've got some cracked tiles thus the reason I'm installing the liner. I didn't have a real draft issue with the current chimney setup and am wondering if I really need to spend the extra money for the insulation?