NSMaple1,
I agree with some of your thinking but have some observations for you to consider. Most indoor stoves (whatever type you have) don't lose any heat to the exterior? Most indoor stoves use air to burn, where does that air come from? I'm talking most appliances and we know those draw air from inside the house and usually don't have a fresh air intake. This air comes from somewhere, around windows, doors, chimneys, sump pump tiles, bath fans and any other penetrations in the exterior. The fire acts like a huge vacuum and sucks cold air into the house from cracks wherever and into the fire. This air is freezing cold and has to be heated to whatever temperature. and a fair amount of it goes out the chimney. Since installing my OWB what I have noticed in my huge house is that there is no "drafts" in the house anymore. Before there was always cold spots near windows and doors etc. Now that there is no huge vacuum sucking cold air it I think the drafts are gone. The only air moving in our house is the interior air and whatever leaks there are seem pretty small without the vacuum. My thoughts are that this is a trade off for the heat I'm loosing outside with the OWB. Like I said before there is snow and ice hanging off my OWB, only spot that is warm is around the door and even it doesn't seem that hot. I could put foam board on it but think it's so small that it's not worth it. I usually build a temporary building around my OWB for the winter so it is sheltered and a nice spot to load even in a bad storm.
My house is much easy to control the heat now so I also think that cuts down consumption a lot.
I can burn crap wood that isn't worth all the work of getting inside the house to burn.
I get to play with bigger toys for wood, big grapple, big skids, big splitter, big wagons. Our old stove was in the basement so trips up and down the stairs were fun for my old legs. Now I get home from work, park my truck, walk 15 steps to OWB, throw a few sticks in and walk another 15 steps into the garage and house. And the best part is my wife likes to put wood in so I very seldom have to do it.