I have looked around my area for a new wood-burning masonry insert for six months. A Napoleon 1402 is readily available from dealers, but only with installation. The charge for a bare-bones 1402 in matte black is a whopping $3200-3400 plus sales tax, although they are made only an hour away. From the forum I understand a pro can install one complete with SS chimney liner, where masonry modification is not needed, in two hours. Now I am thinking of buying used and doing it myself to avoid the profiteering. Is this a bad idea?