Thank you to everyone for all your ideas, suggestions, and feedback. After careful thought and discussion with my husband, we have decided to continue using our wood stove since it is already paid for and we still have several years worth of seasoned wood already cut and stacked. However, my concern over flying embers starting an unintentional wildfire, even though we have a spark arrester atop chimney under the cap, which is 5/8" mesh, my husband is going to add 1/4" steel mesh to the outside of existing spark arrester, lind of like a basket surrounding it. We have researched online and spoken to our go-to guy at our local True Value store, and have been assured that the 5/8" mesh spark arrester is code in our area, but to give in to my safety concerns, he has stated not to replace code mesh, but to attach no less than 1/4" steel nesh fashioned to attach to existing spark arrester but with a couple inch spacing so as not to clog mesh with soot.
My husband takes apart the chimney flue and removes upper portion so as to clean thoroughly each spring and we move the wood stove to one side (it is in middle of house during heating season). He tells me there is hardly any soot built up for a couple feet below roof.
Anyway, to make a long story shorter, we are still going to install cement board onto our existing floors and install the ceramic tile atop of that so we will have some thermal mass. I am still going to experiment with black rock and my black-sock covered water bottles encased in clear plastic to bring in at night in a large cooler insulated with foiled bubble wrap and pull out just before bedtime and/or in the middle of the night to see if that can keep the house warm enough until early a.m.
He is also going to build pelmet boxes above windows and I am going to double up my thick fleece curtains so we are thinking this will help also.
I so appreciate everyone's input and we are doing some of the suggestions. I think with the extra thermal mass in the floor, the pelmet boxes with even thicker curtains, and maybe, just maybe, my water bottles heated during the sunny days to radiate heat at night, we may not have to have but one fire before bed and one very early morning, and stay warm enough all winter.
Here is a picture of 2 of my quart bottles of water heating for my dishes.