I personnally prefer the "whole house solution". Your house at 3400 sq. ft. will not be a good candidate for a stove, I would get a coal furnace or a boiler and tie it in to your existing system. You can get your domestic hot water from it too. It may cost more, but in the long run you will be much happier and more comfortable. The lack of a chimney can be addressed with a power vent if needed, I however recommend a real masonry chimney. Either way, big savings.