We are building a 2600 sf 2-story farmhouse. We plan to have a fireplace or wood stove in downstairs living area. I have a couple of things I want and I'm learning they don't all come in one product. I want a ledge for a cooking surface. I found a few wood stove insert models like the Regency I24000 that seemed to have a big enough cooking surface for emergencies & also to keep a pan of water on for a humidifier. Didn't realize how much additional cost was involved above a ZC fireplace. I can only find flush mount ZC units. For those of you who have installed in new construction, were you able to find the best of both worlds? We've also considered a freestanding wood stove in a firebox, so we have the hearth & mantle look we want. We have mild winters, will have an electric heat pump, & will just use the fireplace/wood stove for partial heat, emergency heat. We haven't installed a chimney before, so curious about savings in that area with the ZC vs the Regency type wood stove insert. Thanks for any help you can offer!