I insulated the liner and can tell you that even in an interior chimney it made a big difference. I have 3 cords thru it and maybe had a coffee cup to two of flacky ash. No shiney stuff here! Also the only accumulation I could see was the top 2 inchs. It really did not need cleaning but I figured I was there with the brushes, what the hey. ;-) Wisconsin has some real frigid weather, like 2 weeks of -10 plus degree temp nights so if there was going to be a lot of accumulation it would have happened.