OK guys, thanks for all the info...unfortunately, I had to put my purchase on hold when I discovered I don't have an extra flue in my chimney...there were two thimbles, but both went into a single flue, which is a no-no in Massachusetts at least....
So, since adding a new masonary chimney anytime soon is out of the question, I need to regroup and make a new plan...
I did find out from my insurance co, that there is no problem or increase in premium for a wood system, as long as it is properly installed and inspected (hence the single flue problem)...
Anyway, now I need to reconsider an outside unit, which has obvious benefits; unfortunately, the only ones I have ever seen are the most god-awful smoky messes...not very enticing.
Also need to look into a duel fuel unit; that way I could use the single flue and have the benefits of oil/wood in one device, with one chimney...
Oh well..hope I can find some use for the 15 or so cords of wood I felled, cut, split and stacked....