Greg,
From the pics you have posted, I agree that a masonry heater would be a nice addition to your new home. Of course I believe this is probably true of any house/decor where there is space available for this use. With many commercially available units, once you have the core built of fire brick, the outer (heat storage) masonry can be whatever works for your decor. I think it is a good opportunity to use local river rock, but anything from red brick to adobe to ceramic tile have been successfully utilized for this.
The fly ash (burning embers from a normal woodstove) are captured in the serpentine sections of the flue where all of the heat transfer takes place. The result is a very clean exhaust plume that is also only about 150 degrees F. Of course, the flue has to be built so that the fly ash can be removed periodically, but almost all of these appliances have that provision built in.
The cost of a masonry heater is considerably higher than the cost of a metal woodstove. However, I would think the advantages could outweigh the cost if it means you can get away with a less expensive airform treatment. There are also the intangibles like personal comfort. The lower external temp of a masonry heater should be more comfortable than the normal metal wood stove.
Mike




