The real value of an insert is time, not tidiness
A good insert does three jobs: it cuts setup and teardown time, it keeps components sorted so nothing goes missing, and it protects cards and tokens from being crushed under the lid in storage. The one you feel every session is time. Hobbyists consistently describe the same before-and-after — a game that took twenty to forty minutes to lay out from a pile of baggies drops to a few minutes once every component has a home. The best inserts go further and give you a table-ready tray you lift straight out of the box and set down mostly assembled, so the game is playable in seconds rather than staged piece by piece. Faster setup also lowers the social barrier: a long, visible setup makes everyone at the table assume a game is complicated and not worth starting, so cutting it down genuinely gets more games played — sometimes a second one in an evening.

Don't trust the factory insert by default
The plastic tray a game ships with is a coin flip, and a common complaint is that it fails at the one job you care about. Many factory inserts don't hold components when the box is stored on its side, don't leave room for sleeved cards, and can't accommodate the expansions you'll add later, while vacuum-formed trays often waste box space. A handful of publishers get it genuinely right — PARKS is held up as the gold standard, and Dice Throne (per-character trays you grab and play) and Eclipse: Second Dawn for the Galaxy (which even prints a map of where everything goes) are the exceptions people point to. But the poster children for 'throw the insert out and buy one' come up again and again: Terraforming Mars ships a premium game as a box of ziplocs, Splendor's box swallows its own pieces, and the minimal trench-style trays in many Fantasy Flight boxes leave you with a card slot and one big bucket.
The tiers, from best value to premium
Once you decide a game deserves better than baggies, the aftermarket sorts into a clear ladder. Pick by how often you play the game and how much you want to spend per box.
- Foamcore kits (Folded Space is the consensus affordable pick): flat-packed panels you glue yourself in around twenty minutes, light and durable, and widely praised for handling the large majority of games at a fraction of the cost of wood.
- Laser-cut wood (Broken Token, e-Raptor, and similar): the premium 'I love this game' tier — rigid, the cleanest look, sometimes stainable, but the most expensive and needing real assembly time.
- Universal divider boxes (Plano-style): not custom to any game, the cheapest and most flexible, and they move between titles as your collection changes — they just won't lock pieces down for upright storage.
- A 3D printer plus free community files: the endgame for anyone outfitting a big shelf, since large libraries of free models cover most popular games.
Sleeved cards and expansions are what break an insert
Before buying anything for a specific box, run the same checks the hobby learned the hard way.
- Do you sleeve? Most factory and many aftermarket inserts leave no room for sleeves, so a sleeved deck either won't let the box close or won't drop into the slot — buy a sleeve-aware insert and check which sleeve brand it's cut for.
- Do you own the expansions? Buy an insert that accounts for them, or you'll re-organize the whole box later.
- How often do you actually play it? An insert pays off on games in regular rotation and rarely justifies itself on a shelf-warmer.
- Do you store it upright? If so you need a fitted insert that holds components against the lid, or everything dumps to one side.

The games that need one most
If you're deciding where to spend first, the community keeps naming the same offenders. Terraforming Mars tops nearly every list; Spirit Island, especially with its expansions, can shed twenty-plus minutes of setup; Quacks of Quedlinburg benefits so much that its chip trays double as the in-game banks; and Lost Ruins of Arnak, Scythe, and the Gloomhaven family all go from a chore to quick with a fitted tray. The general rule people arrive at: any game with more than a few cards and tokens — lots of resource types, piles of chits, or expansions you want in the base box — earns an insert. Pure card games mostly benefit when the insert lets the base game plus expansions live in one box.
When to skip it
Baggies are free and they genuinely work for player-specific pieces, so there's no need to insert everything. For a game you're not sure you'll keep, or one you play once a year, a cheap divider box or the bags it came in is enough — start there and upgrade only the keepers. The clearest signal a box wants an insert is loose components rattling and shifting every time you move it; that, plus a setup you dread, is exactly what a good tray is for.