Hi all, new to the site, and was wondering if anyone had opinions on which insert I should get. live in MN, 1600 sq. ft. 3 level split home, insert will be located in basement. What I'm looking at is 1) napoleon 1402 $1620. 2) Regency 2400 $1600 or 3) P.C. super $1000 - used from a dealer I met that burned it on his showfloor for about 6 months - no warranty. these are the 3 that I've found for the most reasonable prices. Any in-site would be appreciated. Thanks