I have the direct comparison.
In the old house, we had a fireplace; in the new one, we have consciously done without it. Since we used full heating in the old house, the stove became unnecessary and was rarely on.
There was really a lot of dirt generated. Our two don’t produce that much dirt.
On top of that, twice a year the chimney sweep has to be paid and walks through the house.
We now feel very comfortable even without a fireplace...
If I were to build new and had the choice to omit the fireplace, I would do it.
It saves real money. No chimney, no sweep, no stove, and wood is not a cheap alternative either.