One thing you havent mentioned is the size of your house. How well insulated it is, where you gonna put it etc...
If I may suggest the
Valcourt FP10 Lafayette . It comes EPA Washington State (below 4.5 gr/Hr 78% efficient) out of the box. Yet it retails below $3,000 Kitted Black.
It comes standard with the following features:
* Includes dual Blower
* Molded Refractory bricks
* One Large Single Door. Largest Viewing area in its class
* Lifetime Warranty on the glass. Even it the kids break it
* Lifetime Warranty on the burn tubes. Even if you overfire it.
* 6" flue size on any chimney brand. (Opel is 7" on ICC only $$$)
You can also get the following options:
* Gravity kit to heat the room upstairs
* Multi-Speed 360CFM blower (heat dump system) with dual zone heating with thermostat control. That feature is only $600. To get something close on RSF it's well above $1,200.
So for below $4,000 you get a fully loaded high-efficiency ZC you can use to heat most of the house.
Let me know if you have any questions. We make those and are a sponsor on this site.