I hate to say it, but as you try to save money, it invariably bites you in the rear. Buy a nice, stand up safe. I personally was unsure about a fire safe, they are rated for x number of hours (or less) at a certain tempurature. If it is a major, house down burning fire, you are screwed no matter what. What you want is something that will keep everything safe while the firemen put the fire out (thank the lord for firemen).
Mine were only smokey and that was downstairs (mine is not fireproofed), but the borestores smelled and I replaced them and cleaned all my guns.
Also, one reason folks suggest a golden rod is to keep moisture out, I have never used, nor needed one, but if I move to NH, I will install one.
Ed
PS: Buy gun insurance, you can get around 30K for around $100 a year, that relieves a lot of stress...
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