I'm a fan of a metal block-off plate, as like Elkimmeg said you can't argue that a liner with the top sealed off AND a block-off plate is better than one having only the top sealed off. On my install, the installers sealed up the top and put in a metal block-off plate. I'm pretty sure it's required where I am and glad they did it. Also, my insert doesn't have a rear heat shield, yours may not either so I have more than usual heat going into the fireplace that would not let me recover as much into my living area without the blockoff. When my blowers were on I put my hands around my insert and felt a lot of air flow coming out seams of my insert. In my case, the outer of my insert is made of around 10 seperate pieces not sealed to each other. They had hair line seams exposed but always in the worst spots and estimate about 40% of my air flow blowing into my fireplace area. I sealed them up with stove cement and what a difference. My block-off helped me recover that heat. Lastly, the top of my chimney that's sealed with Silicone those seams broke either from a big bird that decided to use my liner as a lookout for prey, or on a real windy day my liner shifted breaking them. Thank God I have the blocl-off. I can't imagine how inefficient my setup would've been this winter had it as a backup as it's currently the only thing keeping my warm house air from sneaking to the outside 24/7 with my top seals broken like that, on top of not having a rear heat shield on my insert, and previously leaky seams. With an insert with a full shield, seams tight, with non-broken seams up top, and the blowers on, there isn't hardly any heat loss. Unfortunately if you fail on any one of those variables, now, or in the future, you'll wish you had a block-off plate besides the safety factor it adds whether that be a power failure, your blower bearings go, the top of your liner seals break, what have ya.
So, get a steel block-off plate and I recommend you purchase one online instead of making it yourself. During your liner install, I'd stuff the top 2-3 feet between your liner and flue with mineral wool insulation (good to 2200F+), and if you really want to do it right put the mineral wool insulation above your block-off plate and then put the block-off plate in. My mason also put mineral wool insulation all around the insides of my fireplace. Don't have it right against your insert though, your insert specs don't include having insulation right against it on the outside. My Mason fastened it to the insides of my fireplace instead.