I have 2 fireplace inserts going right now. One in the basement was free, and came with a blower.I have a full size basement,60x30, and it keeps it around 60. I'm sure that what with the heat radiating up thru the floor, it helps the upstairs to. The one in my living room, with the dampers shut, keeps it at least 70 or more. A few weeks ago, I got home on a Sunday night, walked into the living room, and it seemed like 90. My oldest boy had opened the dampers and cracked open the doors, and it sounded like a jet engine roaring. I quickly shut everything down, and noticed the top of the insert was glowing red. My wife made the comment, sure did seem quite warm. Even thou I get on the roof every year and run a chimney brush down the stacks, I'm sure that I don't have much creosote in that one now.
The one thing I did do a couple years ago, was I had a stainless steel insert installed in the chimney, on the fireplace in the living room. As this one burns almost 24/7 from Nov-April, I felt it was a safety thing I could live with. Cost was alittle over $1200, but gave me peace of mind.
I know for a fact, that with these inserts, I'm saving a minimun of $1,000 a year. I have friends that give me wood, but I have 7 acre's, of which, almost 4 of that is oak,maple and ash. So wood supply isn't an issue. Just gas for the chainsaws,asprin or aleve for my back, and a cold beer at the end of the day. gypsyman