Moving this here so I don't hijack the thread I originally posted on. I am considering putting in an insert (more specifically a flush one to get a more contemporary look) but was wondering if I will regret it. In the spirit of most responses of the thread I originally commented on, burning wood rarely is tied to ROI. I get that a flush insert will not give me the "best ROI" but if it is what we like most I am thinking that is the direction we will go. Would love to hear comments.