I like Elcor. But i highly doubt i'm going to get one on my team...love the advert on the citadel in ME2 for "the 14 hour Elcor Hamlet"
But seeing as I won't get them, probably be a Drell online
As for Insane....i'd imagine most of it wouldn't be too bad. But some of it would be evil. The bit where you get ambushed on the Collector ship halfway through the game was hard enough on Hardcore....