I wouldn't give up on the insert idea. Fireplaces are kinda useless. Very nice looking, but useless. An insert will give you 70% of the fireplace experience, and actually help heat your house. It doesn't have to be perfect to be worth it.
natural gas is much cheaper than wood. at least around here.Is anyone familiar with the natural gas heating stoves? Blasphemy i know, but apparently they have ones that are cheap, look kinda like a fire, are more efficient than a central furnace, and don't even need a vent? I've never even considered that before seeing it today, and would cut my bill to a third just by doing that.