Inset is a fantastically helpful tool, and I am using it a lot. I may have asked something like this in the past.
However, one thing that really bugs me is that I think there should be more direct options:
Inset distance <X> (… OnlyCurves=Yes/No NewSurface=Yes/No)
OnlyCurves should merely act the same as offsetting all of the curves and leaving the surface intact.
NewSurface should act to create an entirely new surface as an inset, which can then be used easily for panelling or such; again leaving the original surface unmodified.
Perhaps someone has one of those magical ways of doing this without resorting to Enhancement route.
Thanks!