For what it's worth, I've found that the relatively short length of the heavy inserts works the same as a heavy head for me.
A 75gr insert and 125gr field point fly the same as a 200gr field point. I have several arrows set up with insert weights and light field points so that I can replace the field points with a light broadhead in an emergency when I don't have any more of the heavy broadheads. All shoot to the same point of aim out to 20 yds, which is my self-imposed range limit.