It looks like air sealing is your biggest challenge. Air is coming in around your windows and doors, gaps around masonry heater, floor cracks and probably many other places as well. My guess is that cold attic air is coming down between the 2 walls and entering your home through these cracks and gaps. Caulk the windows and floor, weatherize your doors and lime plaster the gaps in the walls and ceiling.
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You may have to bring in make-up air from outside when burning the masonry heater to avoid backdrafting after you have air sealed.
Insulating the floor can have negative consequences, so I generally recommend sealing and insulating the exterior of the crawl space(under house) instead.