i have a second upstairs fireplace. we are installing new floors. i want to place some tile extending out from the hearth, but my wife says no. The hearth will be raised 5 inches when the new floors are installed. I have read for wood burning inserts, we just need ember protection. Am i right in thinking this means a hearth rug would be sufficient? i have attached a picture to make it a bit clearer. i live in massachusetts, if that makes a difference.