ok- I quess we had an angel helping us this year. We have a Harman Mark 11 in the cellar with radiant barrier on most of the walls.We lov the coal heat.Does a pretty good job coming thru the floor boards and up the stairs in the kitchen-something the oil furnace could never do for us.Have a pellet stove in liv. room,thats going to get sold.The pellet stove doesn't come close to the heat output of the Harman.Less mess than wood,but still frequent cleaning-quick shutdowns,price average this past winter was $5.25 a bag.Burned 3 ton of those.Since the Harman stove isnt quite enough to do the job- turned to Craigs list, and bought a Harman furnace.This year we just went and bought 15 bags at a time-so havent tallied up the cost of coal yet-but the 2nd reason we turned away from oil is we are now keeping our dollars here at home.First of all,if we're going to shell out money-we'd rather get the BTU's.So A "Coal Chubby" -another find from Craigs List is going in the liv. room.The furnace going in the cellar-puts out 92,000 BTU's, and will certainly go much longer between being fed and emptied,and has a thermostat-and will be ducted.The Harman stove is going out in the garage.After living with a pellet stove the last 3 seasons-we will take a coal stove hands down.No matter how I do it-I'm going to deal with dust,so I might as well be warm for that dust,but can take steps to minimize it.Had a problem with the north wall foundation skirting-but that gets all torn off-insulated, and redone this summer-so there should be no more chills blowing thru.We found with the Harman we lov watching the fire,but can't sit down cellar all day enjoying it,and needed to put in a small stove in liv. room because of space,so we bought the Chubby,and the new & improved door-window.Heating for this house is between 4-5 ton.We will never go back to oil in this house.I'll burn wood before that ever happens.The ignitor also burned out on the pellet stove but am able to manually light it with gel-so will order a new one.With the new set-up going to go in, all 3 can run without electric,which the pellet can't without a generator,which we have just in case.It sounds to me like your stove isnt big enough,and a coal furnace would be better for your situation-and then there's the cost of course.If your going to switch to pellets,you better think about going pellet furnace,cause I dont believe you will ever get the BTU's out of a stove.The good thing about the pellet stove is you dont need a regular chimney,which we are now having to install for the coal,but got 2 for a very reasonable price at Home Depot.We started out driving to Bangor for a ton at a time,and even though I got to go out to breakfast,it shot 1/2 the day, and $20 worth of gas,and that was before gas went up.Now we just buy it up the street,but will be shopping around some more.