be creative,, and cover,, your house most likely is not going to fall down, , spend 1/10 on a decent plan of attack onthe fire place and get used to using plaster and fix those craks and repaint,, dotn be upset if you have to do crack repairs in a year or so,, and ps, repairs to the fondation may even do the same thing in time, almost all houses setttel ,, so dotn waste your money ,, hope i could help,, joe