Needless to say, my wife didn't like how the Rainier unit looked at all in comparison to the Lopi Cape Cod flush insert.
I'm sorry you had to experience that. But I think nearly everyone here can relate. What I had to do was convince myself that if I amortize the extra cost (over what I had hoped to get away with) over the potential life expectancy of the stove which could, I suppose, approach my own, it wasn't too bad anymore. It's that big up front chunk that hurts. Still, I feel (and have felt) your pain.
. There are lots of good people here I am sure something can be worked out that will save you tons of money and make friends in the process. Just be aware of your code and insurance requirements.
I seriously considered the DIY approach myself because it seemed straightforward enough, but as it turned out there were complications I wouldn't have wanted to deal with, so I'm glad I went the pro route. There are some members here, like Pete above, who are proficient enough, but I'm not one of them... (I did make my own hearth pad, though