I still need to get a good gun belt, but I can't figure out what size to order. I'm afraid a 32" might actually be a bit too big, and a lot of companies don't even make anything smaller than a 34"
Each belt maker has their own way of measuring. The Beltman follows up with an email stressing to check and recheck using their method giving you a chance to change the size if you don't have it right. Then they make size what you order.
I'm about a 32" waist and all my regular belts are 34" and I generally use the 2 hole so I have plenty of growing room. I ordered the Beltman in a 35" which is what I came up with from their measuring method. I have a 36" Milt Sparks which is slightly too big although it works fine, just on the 1st or 2nd hole depending on what I'm wearing. I'll be limited in wearing that one without a gun and holster IWB though.
No insert. I don't think they need it. If they are anything like Sparks, and they also use 2 layers of hide (stronger than one thicker one) it's plenty. I can't believe how well my all steel Kimber carries now.
Most people I know that have ordered, usually end up 3" over their waist size. Keep in mind, you'll lose some belt length in the fact that it's stiffer and won't conform to your body like a regular belt will. So figure 1" in "overhead".
I should know if the 3" over rule works when I get mine soon. Some say theirs come feeling a little smaller than you think they will. That may be because of the stiffness I mentioned.