Happy heiny are an awesome nappy, I'm a fan of the OSFA but the sized pockets are nice too. The velcro does hold well! With the prints they used to have a note that said the prints don't last as long as the solid colours but they may have solved this problem?

With inserts you need to check with the store as they are all different. for $16 I would assume they wouldn't include inserts but I could be wrong