I've been searching for this as well, it appears either nobody else cares or it's not possible. I'm really assuming that insane makes the monsters harder and is not just [hard + 1 life] I guess for now we will just have to settle for the Better Combat Mod + Complete Equipment Overhaul + Hard difficulty ---------------------------------------------- PS - instead of only 1 life per game, I wouldn't mind 3 lives per chapter, and if you lose all three lives you have to start the chapter over again.