It certainly answered my question
I was considering using 6" 24GA for an elbow and then an UL-641 adapter down to UL-641 4" with a UL-641 4" pipe on the end.
I am not going through any "combustibles" just straight into a brick chimney, but I would rather be safe none the less, I plan on sleeping at night, and have a wife and kid to consider.
If it was just me and I lived in a shack in the woods surrounded by water it would be different....even then I would like to sleep.
It's not that I am that cheap but I have had a hard time finding 6" insulated elbows and pipes specifically for pellet stoves and when I do the prices are quiet high.
The cheapest I could find an adapter (6 in. to 4") was 67. U$, that was before I even got to the elbow and pipe that would come together to 89$.
It's like since so many people are switching to alternative fuels the companies are getting hip to it an hiking up the prices to take advantage of the trend....
If anyone knows how to do this cheaper (a distributor or alternative) that is also safe let me know.
sincerely
jeremy