I've been shopping to get a stainless liner installed in my 7X11" clay tiles flu. It seem most agree that if you run a steel liner into the flu, it should be insulated with a wrap or a poured insulation. My question is why? I mean, If I burn in a flu with clay liner with no liner pipe for years, why would adding a stainless pipe to the flu require the insulation? Isn't the tile insulation enough and adding the stainless liner in addition just even more protection? Just trying to think this through as I digest a few different quotes where everyone seems to spec the job differently.