Hi Diane,
If your stove was built to be super efficient, leaving no wiggle room for any spare heat to escape with just
enough draft to make it run, I doubt the crack theory as being your problem... unless its a big one.
If so, a small amount of cob
should easily fill it in.
As for the potential creosote buildup, I'm assuming your referring to the final vertical chimney where you saw it? If thats the case, your stove is not performing as it should or your not burning
wood in it correctly. Perhaps you can get us a few pictures or link to your build to help us see what your working with.
Every RMH I've ever run does produce a powdery dull black fuzz, especially in areas where the gas flow slows or in corners. It easily can be removed and is not shiny or hard like creosote is.
Perhaps this is what your seeing? A simple brush cleaning and vacuuming should easily take care of that.
If you've ruled out a critter nest, when was the last time you cleaned it?
Ash buildup on top of the riser or manifold can easily pinch off these areas and cause draft issues.