So after substantially more Insanity experience, let me drop some thoughts.
-Got this from a friend: make your snipers avoid the full-auto sniping rifle. They always take single shots with it, making them 1/3 strength of the default. Then I guess Legion gets a Widow so Legion wins if you want snipers.
-Kasumi is the best combatant. Period.
Here's why. I'd put Miranda in second place for Team Bonuses and Warp/Overload on one person. The really great loyalty mission(though obnoxiously hard, I wouldn't rush it on Insanity for the gun) seals the deal. She's also one of the best chatty party members, maybe the most chatty person overall.
-The Heat Clip system was
a vast improvement to gameplay. I guess it's hard to appreciate on lower difficulties, but your gun choice matters immensely when everything has defenses and you can rely on clips... once you clear this room. As opposed to ME1, where I had "the guns I'm allowed to use" "I'm a Soldier" or "Pistol". It ties in well to the addicting qualities of Insanity difficulty: need for strategy and tactics and prioritized targets.
-Tali's loyalty mission is the hardest fucking thing I've ever seen. If you're not a class with AI Hacking, god-fucking-speed for that second to last room. I did it after 12 tries by perfectly stripping the shields from the Hunters and keeping them perfectly Hacked.
-I took the Cain to Grunt's loyalty. There aren't enough power cell drops to use it. I killed the Thresher Maw with the Viper and my fucking Carnifex Hand Cannon. Because I have two sets of quads.
I'm about to grab the Reaper IFF and do ten tons of side missions. And maybe start a Paragon Male Sentinel Insanity Run. Thanks for the MESaves.com link earlier in the thread. I can't believe I was actually going to replay Mass Effect 1.
Also, Lair of the Shadow Broker on Sept 7th with strong implications that you can continue Liara romance from ME1 and that she might squad member it up. Cool. Hastily canceling seduction of Garrus.