i didn't expect that much replies for a simple suggestion...
however i'd like to explains some things:
having that said, i think it's a good advice to look how other PC operating systems (read Windows) work on Apple hardware, i.e. what Apple does to get it to work.
so we'll have to patch the kernel. maybe having a module option similar to pb_fnmode that differentiates between FN-Return being Insert or Enter might be a solution.
i can always patch the module myself. but i thought having Insert would be helpful for others too, although it isn't consistent with what is printed on the keyboard.
last but not least: thanks kosumi68 for struggling with our wishes.