Ok, So here's my situation. I am looking at buying a ZC insert to go into my heatilator cold air machine. I live in the Northern Virginia Area. I call up several dealers who tell me there is basically nothing I can do with a ZC fireplace other than board it up. (Never even looked at my setup) I am persistant searching the internet and researching on my own and find this site along with several manufacturers I had not known about and along comes a retailer who agrees to come up and look at my setup and tell me what I can do. So the guy is a great guy and very knowledgable. Spends an hour talking to my wife and I and measuring our ZC fireplace. Tells me he has three ZC inserts that will fit: Country C160 Qudra 2700i Country Flame O2 He tells me I have the standard 1700 degree 8" prefab chminey (I would estimate it's about 30 ft tall) and that I don't HAVE to but I could line it with insulated 6" liner for 2100 degree. It will draft better this way and is easier to clean instead of sticking a transition up into the 8" I already have but that in all honesty he could do either. He basically said if we stay in the house for a while, do the liner otherwise, skip it. As I mentioned, the guy seems knowledgeable and earnest. We were both pretty happy about the meeting and were leaning towards the C160. I have a 3000 sq ft house however I am not expecting it to heat the whole thing. Maybe just help out a bunch with the downstairs. I have zoned heat the upstairs will take care of itself. So now comes my big question. I have spent a lot of time looking around this site. I see people talk prices and such. Perhaps it is my area however I am concerned because the guy told me the following pretty close ballpark prices: For the O2 - $4400 installed with the gold trim For the other two - $3000 base installed and several hundred extra for the gold trim PLUS if I do the liner he said it would add on between 1400 and 1800 bucks. Now perhaps it's me but this seems high by quite a bit compared to others I have seen on here. As I said, I am really conflicted here because the guy seems to have sound knowledge and doing this for a long time. We both are comfortable with him. I am not trying to be cheap either but I am seeing what appears to be thousands of dollars difference between others posting on the same stove inserts.