I live in Westchester N.Y. and was looking to purchase a pellet stove insert to cut oil bill costs. Fireplaces don't save the heat so I hope a pellet stove would benefit me. I have a raised ranch with finished basement and a door to close off the laundry room. outside of the basement room is a staircase that leads to upstairs. Would this benefit me? What size should I look for BTU wise. I noticed they have fans to push the heat through the house I wonder how much will creep upstairs to warm the first floor? Do they make one with automatic thermostats?