Our home is a newer house with wood framed chimney chase and a cheap "builder" quality zerc-clearance fireplace. Is there a "self-contained" insert I could install that wouldn't require building a masonary enclosure for the insert....? I know a wood stove would be the most efficient but it seems it would be the most costly. Im hoping i could use an insert and a SS liner in the existing piping. Will this work and who makes a good insert of this type..?