I see you are in Virginia. I am located in Central Virginia. I recently purchased and installed a fireplace insert in our basement. There are several things to consider as you do your due diligence. First and foremost you have to know the dimensions of your fireplace opening. Width and Height at front and back of the opening plus overall depth are the basics. Do you have a hearth of stone or tile at the front where your stove front can project safely out into the room or not? These measurements will limit you on your choices. Here's a pic from Jotul that shows one of their inserts and the dimension needed to fit it into the fireplace...
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These dimensions are just for a specific Jotul model and will vary by manufacturer and model of fireplace insert.
Once you have your dimensions then you can start to look at various manufacturers and models. If you are in a rural area then it might be tough to find someone who will sell you an insert and install it for you. Ideally the dealer that sells you the insert will do the installation work for you. In my case I bought the insert new from a dealer in WV because it was $1,500 cheaper than what I was being quoted here locally. I then had to hire a local chimney sweep to do the install.
If you go to the main forum called "The Hearth Room - Wood Stoves and Fireplaces" there is a section there for wood stoves by manufacturer. You should check out several of those manufacturers by going to their website and searching to see if they have a dealer local to you. Make a list of those and go to some showrooms to check out some inserts, get the brochures, etc.
Since you are asking about "bang for your buck" I would say make a list of prices and each inserts BTU output. More BTU = more heat so compare your inserts by that measure and the cost factor.
I will say one more thing. I found that Acme, which is a franchised stove dealer in VA, was the most expensive in terms of quotes I received and I quoted their location in Richmond, Charlottesville and Harrisonburg.