Hello everyone, After being certain that we were going to go with a wood burning insert in the downstairs, for various reasons we have decided on a freestanding pellet stove upstairs instead. Assuming we don't change our mind again, here is the deal we got on a Harmon XXV, and I was wondering if we did OK - it seems no matter what we picked from any dealer, wood or pellet, somehow they all averaged right around a $5,000.00 outlay. I am OK with that if pellets don't go crazy and it saves us money in the end over oil the next few years. I keep hoping I'm not caught in a bubble buying the pellet stove, and oil is going to come down significantly, but maybe that's just a desperate fantasy!! Is it reasonable to think that even if pellets keep going up that they will always probably be less than oil? We've looked at it so many ways I just confuse myself. I just don't want to spend this much on a pellet stove and find it idle if pellets outstrip oil!! Here is what we got - did we do OK or is there room for wiggle here? Harman XXV, venting 3 (feet up, one foot over), outside air kit, delivery and installation, and half a ton of pellets, all tax included for a total of $4,650. We will be providing the hearth pad. Do I have any room to ask for anything (more pellets, accessories?) We have been told we will get it just to be patient, though they would not take a deposit till they get an exact date form Harman. Also, do I need just a floor protector, or a true hearth pad with a certain k value? Thanks!