i am installing a 40k btu pellet stove in my 1800 sq ft house 1st floor my oil cost me$1,100 for the season my temp stays 65 daytime and 69 at nite i love heat, so i am hoping to cut it in half or less and let my pellet stove take over, pellets are a little high in the north east ,will i save enough or brake even ,i also installed all new windows last year and i have good insulation so am i on the right track????