KO Insurance

Hi!
I have seen the message from kaycee and from his analysis(very thorough)it seems like independently from the hand composition we have to take insurance when having the count at>= +21(+1 ,when the IRC = -20),when our IRC=0.So,the conclusion is that using KO Positive(I mean IRC=0)we must insure at >= +1.Thanks for the great help and all other comments on this issue would be apreciated.