For a better understanding on how these OWB systems work, what they actually entail, here is a file from Central Boiler with several different setups. So yes, I do have an understanding even if I do live in a more temperate climate that some of y'all. However, that does not mean there are no OWB's in this area. I have seen several and there is one down the road a piece, but like I said, they would not suit my purpose.
http://www.centralboiler.com/media/CBSystemDiagrams.pdf
A friend has a CB, runs it pretty much year around, anyway they were running out of wood, their usual supplier failed and I had a few cords that were cut a little long so I dropped them off, keep them going for a few weeks.
I did not like the idea of loading in the wind and the cold, so have a building in which my IWB is in, big enough for my water system, a few weeks of wood and some other stuff. Then insulated pex into the main building. Best of both. And per btu I will use a lot less wood.
I would totally agree with the well insulated passive solar approach, then the issue goes away It gets cold here, really cold, a friend has a 5,000 sq ft house, very well built and insulated, they heat mainly with 2 stoves due to the distance, but it is an unusual day when Solar does not do the job. In the little house that we have which is very well insulated and well positioned the stove will cook us out, there is electrical back up but that only really kicks in at night is we are away. And is pretty minimal, no way a Boiler system would be logical for this house.