An executive decision has been made. We're getting a pellet stove after Xmas.
We're not getting the one we want, which is a fireplace insert, but there exists a small footprint standalone that holds 50lbs. It's small enough to fit on the brick pedestal the fireplace is built into, and I can (just barely by inches) get away with using 3 inch pellet pipe up the chimney.
Inserts are just ridiculously expensive. Cheapest one I can find of a known brand is $2700, and they go up from there. The US Stoves standalone we're getting is $1100 delivered. Down the road when we're at a better place financially, we can switch over to an insert and keep the same (expensive as hell) exhaust piping.
I just can't keep up with the wood fired boiler, every 2 hours it needs fed, even with good thick seasoned firewood, so we're still using oil most of the overnights, and with talk of $4+ a gallon pricing, it's cheaper to buy a standalone pellet stove, exhaust, and a ton of pellets than to rely on oil and wood for the rest of the winter when it actually gets cold.