We live north of San Antonio in the hill country and by no means "need" an insert, but I've become fixated on getting one as of late. There are plenty of cold days in Dec, Jan, and Feb to warrant burning a fire, but by morning of course the house is freezing when we do this. Therefore, we completely stopped using the fireplace... Our house is about 3600 sqft with 1800 sqft on each. I've honed in on the VC Merrimack and the Jotul 550 and was wondering if these would suffice for a house as large as ours considering it doesn't get terribly cold. The worst we ever see is around 20, but most cold fronts leave us in the 30s. Our house is about 20 years old and has decent insulation, and we run 3.5 and 3 ton heat pumps up/downstairs respectively. I want an insert primarily for the enjoyment and secondarily to save a little off the electric bill (though I know the payback is very long-term). I would appreciate any thoughts on the inserts mentioned above in a house our size. And of course... These are the 2 that my wife likes best based on looks. Thanks in advance for any help/knowledge.