Absolutely. If it’s not necessary right now, the gas fireplace insert is something to take your time with and form a plan. It’s easy to get ahead of yourself with owning a home. And I say that as someone with lots of half finished (big) projects around my house.

Shop around for the right fixture, shop around for contractors. Take your time, develop relationships. These electricians, plumbers, etc. can be people you can call on for emergencies and larger projects as they present themselves. You can also join local FB groups for recommendations for local contractors. Or ask neighbors.

If you plan to move forward with this: start with a more thorough inspection of the fireplace and chimney and go from there.

Then get an estimate for a plumber to run a gas line. But explain that you don’t have the appliance/fixture yet so it might be tricky to know where inside your fireplace needs to be installed. Every insert is different.

Like you said: I’d use the money you have to furnish the home, etc. There’s no rush to get a gas insert installed if your traditional heating system works. I would recommend you use that and see how this winter fares.

For the record: a lot of people that have wood-burning fireplaces never use them so I assume you have a traditional heating system works fine and can keep you warm during your first winter.

Good luck!