Kicking around the idea of changing stoves and have found a 1 yr old Isle royale that I like. I've read on here that it only requires ember protection on the floor but I downloaded the manual and it says 1in of K value .45. I called the local Quad deler and he said the same, Did something change? Or did I not read about ember only? Rest of the clearances work but my hearth is only 3 layers of 1/2" durock topped with 1/4" tile. Any Thoughts? Thanks!