I've just done the same thing as you - bought a few different kinds to try out before buying a stash. Of the ones I bought the greenkids and the happy heineys you had to buy the inserts separately, but the peapods, hautes, berry plush and bumgenius all came with the inserts as part of the price.

Like Karina said, I'm pretty sure that's US $ you're looking at. From memory the nappies I bought were from about $20 (peapods) and then up to about $35.