Help. Can't for the life of me make sense of what I can or need to use to make a hearth pad for a woodstove I'm installing. The unit states it needs 3/8" millboard, which I gather isn't made any more, or a k factor of .84 btu in/ft2(squared) hr. I can get durock or hardibacker 1/4" or 1/2" and 1/4" ceramic tile for the top. Suggestions? one layer of 1/2" durock or hardibacker then the tile on top? two layers of 1/2" durock or hardibacker then the tile? Do I need an air space?