Carrotcake,
We have an oil one (room heater only) and we never use it, the rads keep the room warm enough (kitchen) and its not in a place we sit around. As we have free access to turf it might have been better to put in a solid one, but overall unless its in a "cosy room" that you'd sit around in for hours I wouldnt bother at all. Even if ours was solid fuel I dont think we'd use it.
Organising a holiday home at the moment and will put in a solid fuel one as its a kitchen/living room and will defo be gazing into it for the evening !!