Installer brings regular liner+insulation for the "insulated liner" request. Is it normal?

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So, looks like in my situation zero clearance does not apply, because the liner will be inside of my existing masonry chimney, which already can accept fireplace fire, so liner insulation does not seem to be needed by the code. But my argument was that since we're insulating it anyway, we should go by the manufacturer instructions, which mentions 1/2" insulation. We were about to order 1/2" insulation, but then they asked if I still with to use a pre-insulated liner to make it easier for them. I found a 6" pre-insulated liner for $500 more with free freight shipping from Woodland Direct and we decided to use that instead to avoid the pain of insulating. I know it's more money for me, but I thought that it would make it easier to install and less prone for snags/tears, so eliminating some risks there. I was on the fence, but Woodland Direct have a $100 rebate, which helped with the taxes, so I went for it! I then found a cheaper version at fireplace-chimneystore (1350 vs 1850 at Woodland), but wasn't sure about quality and reputation of the store, so sticking with former for now.

I have one more question though. The installer offers 2 ways for sealing the bottom: metal block off place vs so called ThermaFiber insulation of the damper area. ThermaFiber appears to have better insulation properties, but I just wanted to check with you guys, what do you recommend from your experience? Thank you.
They are lying to you or simply don't know the code. Your current chimney doesn't meet code with a new install they are required to bring it up to code. Which means 1/2" insulation
 
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So you think metal block off plate would insulate better than that ThermaFiber?

What I'm afraid of is that by "metal block off plate" the installer meant this damper sealing kit:
[Hearth.com] Installer brings regular liner+insulation for the "insulated liner" request. Is it normal?


This is because we will have the oval to round adapter. Do you still think that this kind of block off plate still better than ThermaFiber insulation? It's some kind of mineral wool insulation and appears to be thick and not very soft:
[Hearth.com] Installer brings regular liner+insulation for the "insulated liner" request. Is it normal?
 
So you think metal block off plate would insulate better than that ThermaFiber?

What I'm afraid of is that by "metal block off plate" the installer meant this damper sealing kit:
View attachment 327591

This is because we will have the oval to round adapter. Do you still think that this kind of block off plate still better than ThermaFiber insulation? It's some kind of mineral wool insulation and appears to be thick and not very soft:
View attachment 327592
Both would be the best...
Oops, thought I posted this yesterday, but apparently didn't hit "post reply"!
 
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