Sorry if this has been covered elsewhere, but with a quick search I couldn't find it.
I understand you want an insulin spike during and after exercise to since this is the 'store energy' hormone which will allow the muscles to get what they need.
But elsewhere you want to avoid insulin spikes so as not to have the energy converted to fat.
But what if you don't care. Won't that fat be used for energy later anyway? What's wrong with some fat, for someone not overweight?