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If you have a fire place aready I would go the insert route, I had a wood stove for many years and they are alot of extra work first you have to buy the wood which can be done a number of ways, I used to buy graffle loads and cut and split it all by hand, I would go thru 6 to 8 cords a year, Then I put a new heating system in and I went to only using 3 to 4, If you buy it cut/split/deliverd it is still move it 3 times before you even burn it.
Putting a stove in your basement is a great idea to the stainless steel all fule flue pipe is very expensive I think it is $10.00 a inch, When I installed mine I had 3 36 inch sections, a roof flashing, some brackets, and a cap and it was somewhere around $1000.00 and I had to install it.
I am not trying to discourage you just letting you know the work involved
I have senced moved and don't even have a fire place and I miss the heat bad, I am always cold, but the wife doesn't want the mess of the wood in the house, she doesn't like pelet stoves either so I may get a gas stove but we are going to go and look for one this week, I am going to try and get a pelet stove.
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