I suppose the bottom line is that it is up to the user to do whatever works for themselves. There isn’t necessarily a wrong or right here.
But, I will say that it could make things very confusing for those new to recording. Way less complicated things can confuse a dood new to recording than this.
The simplicity of basic recording to mono tracks from a mono source just makes more sense to most and also to me as well. For you Prock, it makes sense for the way you work.
Other than ‘on the fly’ situations, I typically do not use inserts very often other than the usual mono eq/compression tools. I find it best for myself to create groups and FX tracks.
I don’t find that the way you are working is wrong, just not the way my head wraps around things.
Best to you and your projects. 