I just had my chimney swept and they took pics of the crack in my flue liner and suggested I replace with stainless steel ... at a big cost for me at $3000. They want to remove the old flue tiles. The crack does not look that bad to me; sort of hairline. How critical is this? I see a post on the sticky section that a person could do this themselves though I could not remove the old tiles. Is this really serious? So many people in my area clean their flues themselves and I don't hear of any homes burning down or people dying because of a crack in their flue. What am I missing?