You write ( look on bold ):

>You must simply read what is written. Documentation for WITH ... ENDWITH specifically says, that object reference is accepted, documentation for INSERT doesn't say that.

<snip>
>Specifies the name of the object. ObjectName can be the name of the object or a reference to the object.
>

However, on VFP10 implement

INSERT INTO ... DEFAULT VALUES

and the issue is closed.