Well, not counting the Hoyle plastic chips that we all started out with, my first set was the Costco set of 500 11.5g composites which I bought late last year for $60. These were the "good" ones, kind of like Kingpins or Archetypes, but much better. I don't think there is an insert in them, but if there is, it isn't steel (they're non-magnetic). Definitely not a rip-off. It was these chips that got me into my current chip-mania when Costco stopped carrying them. As I searched the Web for similar chips and got samples, I realized how inferior most others "composites" were, and fortunately stumbled upon pokerchipreviews.com, the TH-P forum, and the Paulson JB group buy . . . the rest is history.

(Yeeeeah, just made Nexgen chips rank with that post. . .)