Fireplaces, Heating Stoves, Flues and Chimneys - SS Liner-Am I being scammed?

Had an appointment today to have the flues cleaned. Here is my setup: Fireplace that gets used 20X in colder months, Natural gas hot water heater and natural gas furnace which is brand new and not been used once. I was told by the installer of the furnace that we should have the flues cleaned before we use the new furnace. We were using oil previously.
I got a call while the chimney pro was here and he told me that the flues are fine meaning there are no cracks. But he said that I needed to have a ss liner installed because of moisture he noticed in the flue. He attributed the moisture from the extreme temperatures due to my hot water heater. Keep in mind that I have not fired my new furnace up once this year. He quoted me $1200.00 which I feel is fair but in doing my due diligence I see that a new liner is usually needed due to decay or cracking. If moisture is present I would think that it's from the 3 inches of rain we had yesterday thanks to the remnants of hurricane Jeannie. So I am a little skeptical here. Especially after reading all over the web that this seems to happen quite frequently. Another thing that bothers me is that after I told the guy that I would need to think about it and we would get back to him he did not clean my flues . So I need some solid advice from the experienced here. It is starting to get chilly here and we would love to turn the heat on. Thanks so much.
TOHGuy

dont need ss liner, aluminum ok, if you have clay tile in good shape dont need any liner cleaning chimeys sounds like a good idea