I've never played on Insane and I probably never will, because I'm of the opinion that battles are won and lost by the decisions that you make, not by the amount of damage done. If I die, I want it to be because I screwed up, not because my purist-rolled Bounty Hunter with only 48 hitpoints was unable to withstand Deirex's 'Enemy Sighted' Chain Contingency with 2 ADHWs, for a total of something like 56D8 damage.
I say, Give me the hitpoints. If I play well, they won't make much difference anyway, but they give me a comfort zone. If I play badly.....they won't make much difference anyway.
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Volothamp's Comeuppance
Everything you ever needed to know about the entire Baldur's Gate series......except spoilers.
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