Efficency testing has greatly changed over the years, hence one of the reasons there's fewer and fewer epa certified stove (furnace) manufacturers and models they offer.Don't worry, I am not but sore or defensive. But I am skeptical about efficiency claims. I have tried to research how efficiency is measured, and the methods are clear enough, but they do not explicitly state the conditions. It is my belief that even with secondary combustion, burning slow is less efficient overall than a fast, hot fire. Therefore, I suspect the efficiencies were measured under ideal conditions (fast burn) rather than the actual conditions most people use. As a side note, there are home gas furnaces and water heaters that go above 90%, but to do that, they actually have to extract heat from the combustion water vapor and condense it, resulting in flu gas temperatures below 150F, so they need a blower to drive the flu gas up the chimney, which is often made of PVC. No good in a power failure, though. I get what you say about wet wood. That is why I stack wood in the round for 2 years before I split it, and then I split it between March and the end of May each year, putting the split wood under an 8' overhang on the back of my garage, where it gets plenty of air and sunshine but no direct rain. My moisture meter typically reads between 8 and 15% moisture when I burn the wood. I have not measured the flu gas temperature on my Tulikivi, but the manufacturer says 250-350F is typical even though it is a short, hot fire because the soapstone absorbs 80-85% of the heat. THe masonry heater stays warm or hot to the touch for at least 24 hours after the fire goes out.
Yes I'm well awear of condensing furnaces. For gas/oil they are more or less standard these days. I do not have a wood stove, I have a wood furnace. No I don't have the forced draft hooked up. The secondary combustion works amazingly well without it, given i maintain 300* flue temps. Which isn't difficult heating 2600 sq ft with it. It's sized well for what our heat needs are. Ie, it's burned within its optimal parameters. I have never had any build up issues in my chimney. I don't claim any efficency ratings, other then it burn much less wood then the last wood stove i used at my old house.
You can believe or not believe, really it doesn't matter, whom ever you've gleamed your information from to make these assumptions doesn't know how to run a wood stove, has an ancient inefficient pos, and or has never experienced a decent wood furnace. Night and day difference.