I have the chip insert, got it for free but I'm glad I have it. Had I paid retail price for the chip insert though I'd have felt I over payed. It looks like it's just cut from a big sheet of perforated metal with a little handle spot welded to it. The chunks of wood work better, but I can only find mesquite and hickory in chunks around here but can find a big variety of chips. People say they use chips without the insert but I'd rather have it. I too was considering the seafood rack but really didn't want to spend the money and I'm glad I didn't. Skin on salmon on the standard racks were no problem. Others suggested rather than spending the money on the seafood rack you instead get something like Frogmats. I don't have them but they're cheaper than the seafood rack and would be more useful overall than the seafood rack. I do recommend the cord hanger. I bought a $7 window ac unit cover to use as a cover and I'm happy with it.