Thanks guys, I'll be going with the proper ss liner then. My next question is floor protection... so this is a non ul stove, requiring 36 inch side and top clearance, which with the addition of a heat shield for the mantle I'm good. Where I'm not good is on the floor... the stove has stubby 2 inch legs, which combined with the fact that it's not listed, requires a 4 inch masonry base or something. I'm still trying to figure out exactly what they are requiring on nfpa 211. Being welded construction, i could add longer legs, but I'm not sure which is the best way to go.
To further complicate it, I'm tight on clearance fitting in the fireplace in the vertical dimension. It's fortunately solid block, but if i raise the floor I'm going to have to cut out a row of stone, which means moving the lintel up, and gives me another 5 inches to work with. The floor is a few layers of concrete board with some tile on top, and it's ugly so it'll be good to change. I'll have to come out farther to meet the 18 inch requirement, which means doing some carpet work as well, but there's nothing i can do about that.
So basically I gotta figure out how to build this hearth, because that's step 1. I'm kinda surprised they are that anal over this, but i want it to be right and safe. This might take longer than I hoped to get it installed, but it'll be worth it. And yes, simply buying a new stove isn't going to be the way.