I think it depends on the enjoyment of the game. With a sorcerer, things never hit you anyway with stoneskin and MI, so go for insane (200% of 0 = 0). If they get through you are screwed no matter what level.
Monks and kensai's(such as my duo game) are melee and have no armour. Very bad on insane, and make for a less enjoyable game. Took it down a notch, and it was doable.
Don't suffer through insane just because some people think it is "cool" to do so. Games are supposed to be fun.
*steps down from soapbox*
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Do not pray for an easy life.<br />Pray for the strength to endure <br />a tough one.<p>:warrior1:
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