The trouble iv had with inserts is replacment parts. I got rid of my buck stove last year as the motor died and all the replacement motors had poor reviews on there life span. As stated they are better then a fire place but dont heat like a standalone stove. Its was also terrible to cook with, just a 4” ledge to put a pot on and it would only get warm.
Im currently using the fireplace as a cooking hearth with a bar to hang pots when im using it, i am much happier with this set up, the boys love to make hot coco with the teapot on the grate. Ideally though i will get a small standalone with a dual cooktop to put in there.
The farm house we rented in Maryland had old single pain windows but the little wood stove in living room heated it very well, the insert here in GA even though the winter is milder didnt even come close.
Good price though 👍, if your fall back is a fireplace for heat only, grab the stove its better then a draft.