We have an Osburn wood stove and we don't use a grate. I clean out the ashes every day when the fires burn out or down and I leave as many of the coals behind as possible. The only time I have too many coals is when I burn the wood too quickly. Our stove will burn a full load of good wood in about four hours. At the end of four hours, the wood stove temp will have dropped into the creosote creation zone, and I add wood. Too many coals happens when I put in wood at hour three instead of hour four. Except during fire start up or if we have some wet wood, we put the draft at its most closed position. A fully open draft will burn the wood faster and likely lead to more coals.
The best thing we bought to help run the stove was a stove thermometer from TSC. The thermometer has a magnet so it should work with an insert. The thermometer allows us to control the draft to maximize heat and burn time while minimizing wood usage.
Later,
Dan