After having carried a Gerber multitool of one type or another for years, I believed this insert system to be a great idea. I was wrong.
I can't even cut a coat hanger without the carbide cutter shattering. I've also tried using the carbides cutter on car stereo wires and it usually leaves multiple strands connected.
I'm sincerely disappointed at the implementation of a great idea.
I rated it a one because that one star is the great idea. The blank stars are the implementation.