My quote for a Lopi Freedom installed with an uninsulated liner is $4444.00 and the quote for PE Summit with an insulated liner is $5000.00. I like the summit because it is rated to heat more space and comes with an insulated liner but not sure if it is worth the extra $500.00, the other store said I didn't need the insulated liner and that they did not use insulation with their liners. What would be your pick and why? thanks for any suggestions