Moving from S.FL to Tennessee. Question about fireplaces w/drapes hanging in front of them.

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We are moving from S. FL to Tennesse.Therefore, we don't have much experience (none) with fireplaces. We are searching on line. Some of the pictures that have fireplaces, have some sort of curtain in front of them. I'm assuming cold air is getting in from this area. Should we run when we see this? How much does it cost to change a wood burning fireplace to gas? Thanks
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