We have a Breckwell P23I which we are trying to have installed. Chimney spans 3 stories, probably around 25-30 feet, in a straight shot, center of the house with clay. House was built in 1950, chimney is well maintained and clean. How necessary is a liner? We are being quoted close to $600 for liner cost alone and trying to decide whether safety warrants it. Any advice (gentle or not) is much appreciated.