Well I am confused about this clearances thing because we paid $150 for inspection to see if we could get a stove, and that guy said yes it is okay for a stove, but we need a liner. Rockford certainly has chimney experience but they said the two liners are fine as is, without insulation (I haven't called back to ask them to explain more). Perhaps just because our chimney was too small for it with two in there? Pretty hard to reverse this decision now. Our chimney guy comes next week. He is very knowledgeable with long experience in this. We talked to him for a solid hour (not chit chat but all technical stuff) after sending pictures, info and measurements, and we took more measurements. So why would he not warn us about not having the pipe insulated? He would know.
My husband is now saying that with the insulation and netting on just the chimney liner for the stove (even if we didn't also have the hot water one), he thinks it could not get down the chimney.
As to combustibles clearance from top, here are some things my husband explained to me. It might not meet current code but these are usually grandfathered in. Everything done 100 years ago looks half-right compared to how things are done today, but they usually built chimneys very well, and they work. With an expert involved in the installation, and the liner, it will be a much safer chimney than it has been in 111 years. The chimney had three stoves going in it for likely decades with no problems! He says codes change every year or so. They don't normally expect you to bring old buildings to modern standards. [For example our steep stairs would now not be allowed to be built].
So this is not seeming like an issue to us (unlike the register issue).
We, like most folk, can't afford to rebuild our entire house and chimney in order to use a wood stove (especially a house that successfully heated by stove for decades).
Re: liner & thimble: The liners get installed next week when the chimney guy spends a day (or two) getting everything installed and connected properly. The stovepipe will go directly into the chimney it sits next to. A new hole will be opened and a new thimble installed, which is lower than the existing original thimble that we had first planned to use, which will get covered over expertly by the chimney guy.