I am only a moderate drive east and have a very similar situation to you. I am now on my 3rd season with a Blaze King Princess insert into my Toll Brothers 40 year old 3,000 sf colonial house with a heat pump (and propane back up)
1. I obtained a neighbors tree that was cut down (sugar maple) a year prior to my install and stacked and split the wood. Did that while contemplating what insert to buy and how to get a liner in my narrow chimney. In hindsight, having wood that was pretty dry to burn the following year was a godsend. Cherry or black cherry and ash both dry pretty quick and are decent fuels and readily available. Consider delaying your install till next summer and that gives you time to plan, shop and design. Secure wood now from scrounging, facebook, neighbors, or cut it yourself.
2. If you purchase new, you may have a 6 month delivery time due to supply chain so this year might be out anyway. In my case I waited till offseason to purchase in hopes of better terms.
3. I ended up breaking out my chimney liner myself at considerable savings, but it is a dangerous and difficult job by oneself. Sweeps are really busy and you may not get a solid recommendation for 2 months from now. Consider reaching out to @bholler
who is in your area and is highly reputable.
4. My first year with the insert I burned about 2.5 cords. My propane back up never came on and I used Zero fuel. That was a savings of about $1,200. My heat pump worked far less, when I compared year over year it was about $100 or so a month less. So figure $600 or so in savings there.
5. My insert in the family room fireplace will keep that room at 72, but my master bedroom upstairs will be 64 or less. Distribution of heat in the 2 story house with 8' ceilings is not good, and being built in the early 1980's is pretty leaky.
If I sell in the next 3 years I would pull by Blaze King out and resell that, replace with a cheaper unit and perhaps recoup $1500 or so of my initial investment.