Hi. Been around about a year reading and absorbing. I have a 1917 brick bungalow, little to no insulation, new windows. Trying to decide on a Tundra wood furnace or PE Summit insert. I don't see the insert heating the 2 upstairs bedrooms well but I have a concern with the furnace option too. I currently have 2 ducts and a cold air return going to 2nd floor. In my point of view there is no way to ensure 1" clearance to combustibles if I were to hook those up to the tundra. Is there anything I could do, like inserting a 4" duct in the original steel and insulate it somehow? SS liners can be insulated and have 0 clearance so why couldn't duct work? Should I even worry about this?