From my point of view, it’s all just sugarcoating. We have a fireplace and only used it once this winter. My wife really wanted one too. Yes, the thing looks nice when it flickers. But for heating, I absolutely don’t need it, even in this 25-year-old house. It’s comfortably warm here anyway; we have a very open ground floor (about 80m²), and as soon as the stove is on, we easily have 3°C more on that floor. Adjusting the heating up or down is not economically sensible. I monitored the heating for a while, and the downward peak is only visible under a microscope. That might save me 2-3%. But for that, I would have to install thermostats in every room and regulate the underfloor heating (which I have anyway, but whatever). Also, the underfloor heating is so sluggish that I still get overheating, only that I can correct this peak faster. For the cost of automatic room control, I could heat for years, even if the wood were free.
Furthermore, when I renewed the heating system last year, I compared all energy sources against each other and came to the conclusion that wood makes absolutely no sense. A cubic meter (dropped off in front of the house) costs us €80. Then there’s splitting, storing, transporting it to the garden and then bringing it into the house. From one cubic meter, I get 1300-1500 kWh, which makes a price per kWh of about 6 cents. Oil and gas cost about the same, maybe even a bit less. Although the efficiency of the stove was taken into account, it was not considered that you might overheat. Everything you overheat you pay for on top of that. Additionally, there are costs for the chimney sweep and maintenance. Not to mention the effort for cleaning. That means for me, I cannot recoup a single cent of the investment costs. Of course, gas and oil prices will rise in the coming years, but wood prices have risen significantly more in the past 15 years, which means that even pellet heating today hardly brings any cost advantages anymore.
The only counter-argument for me would be if, like my father-in-law, someone has enormous fun going into the forest with a tractor and making their own wood. That isn’t free either, but at least cost savings are possible if you don’t count the labor time. The investment probably still won’t pay off in the long run.
My wife and I both work full-time, so we are not able to use the stove for basic heating. If we put some wood on in the morning, the stove is completely cold by the afternoon. So you really have to rely on heating bags, etc., which are usually quite expensive. Or best of all, turn off the underfloor heating at 5 a.m. if you want to heat the stove in the evening. But then again, your feet will be cold.
So MY conclusion: If you like it cozy and watching the fire, of course, you can get a stove/fireplace. But it’s like a sauna, whirlpool, etc., where you usually have to bear both the full investment costs and some of the operating costs additionally. So it’s pure luxury! There is absolutely nothing wrong with that, but you should know it.
PS: I’ll leave the fine dust aside because personally I’m not the type who wants to save the world with that. I’m more concerned about the strain on my own lungs during cleaning, etc.