$10k should be more than enough even with our current inflated pricesHi Poindexter and EbS-P, as well as others: Thanks for all the good info...stoves, wood, etc... While the two living rooms on each side of the house are both good-sized...15 x 30, we're really not set up in either room to allow for a free-standing unit, hence utilize the existing fireplace hole.
Each floor is zoned, and we tend to keep the upstairs zone turned back. My additional thought is I would also install 3 small 'pass-throughs' to the 3 immediate rooms upstairs that are above the room our insert would be in (both kids' bedrooms and a small play room. This will aid in some supplemental heat going to those rooms from the stove.
From a budgeting standpoint, I was thinking 10k would have me ready to fire it up.
Thanks again, I'm learning quite a bit.