Not for me. No need. My CRKs get used, and have no lock stick, or wear issues. Never once have I wanted the clean lines of a 21 sullied with a piece of steel and more screws.
In my mind, the steel insert started as a way for budget makers to skip the difficult task of getting proper lock geometry and proper heat treating of the TI, which we all know is a challenge and can lead to lock stick and wear issues. It also removes a step in the knife making process as everything can just be CNC'd, water-jetted etc, then put together. Since it was perceived and sold as a "feature", it started to appear on higher end knives as an "upgrade". In essence, I think it is actually 'lazy' knifemaking of sorts. If you do a Ti lock bar properly it's not needed, but what do I know?
As far as the idea that you can replace your insert when it wears out to make your knife last forever, I doubt any of the inserts will be available by the time they are needed. I can't imagine the grief trying to get a lock bar insert from Russia for my 10 year old Shiro, etc. With CRK, I think if you ever wore out your lockbar, there's a slightly better chance they would make things right.