Advice on Pocket Diapers


So I was given some pocket diapers and micro fiber inserts.

Ive read microfiber shouldn’t touch babies skin so you have to stuff them in the pocket. Doing that when they potty you have to change the entire diaper every time right?

Wouldn’t it make more sense to use an insert you can place on top and just change the insert when they go not have to change entire diaper? Or am I thinking about this all wrong??