I always go for insert weight and stay with 100gr BH. There is a much much greater selection of 100 gr heads. I can buy 100 gr heads easier if I am traveling and need some for some reason. If you have a specific 125 broadhead that you shoot, and do not plan on changing, then just stock up on 125's.
I go back and forth between 100 and 125 grain broadheads, using the FACT system. The only down side is that FACT weights and the special wrench are expensive. However, it can be a lot cheaper than buying a whole new supply of broadheads. Not to mention, there is a bigger selection of broadheads available if you stick with 100 grains.
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