That is a fair point, $4,000 is indeed a decent amount of money.

That being said, the payback on my power bill is about 20 months, that is the break even point, after all it is pure profit.

I financed the thing over 60 months at 4.9% anyway, so the monthly payment isn't actually that bad and the lower power bill offsets about half of the monthly payment, so my actual out of pocket costs isn't all that high each month, less than our family cell phone bills, and we just made a big cut in our carbon foot print.

I lived in a house with a wood-burning fireplace, and it was cool, but it got awfully smoky.

You are correct that wood stoves are a source of dangerous pollution. They're dangerous for the people outside the house, but they're even more dangerous for the people inside the house. It's about as dangerous as smoking a pack of cigarettes a day, which takes about 10 years off your life expectancy.

...(UK high-capacity meaning more than two rounds.)

Uh oh. I see the problem. Where does the 3rd party fit in? Some other person, like a government bureaucrat, intellectual elitist who doesn't actually do work for money, or politician pandering for popular votes... where can that person inject their bullshit in this scenario. A problem indeed!