okay, first of all you can read this thread and it will help you.
http://forums.steroid.com/showthread.php?t=341121
now, your reasoning sounds like "bro-knowledge" basically what one person says to another without any real backing.
using the correct carbs and at the correct times is key. now if you are doing morning cardio and training a few days a week. then i would suggest using a pro/carb diet. it is for those who exercise A LOT. those who want to focus on their body's composition and gaining strength and/or size.
now people over emphasize insulin PWO, if you aren't using it exogenously then don't worry about it. use pro/carb. but insulin in regard to overall body composition and daily, should be addressed. insulin levels that are steady, prime your body for fat loss. so theoretically if you were to use the same low GI carb source throughout the day you could potentially lose more fat than using carb and fat meals.
so keeping insulin steady is the best bet. potatoes, are the best carb source imo, and u can find related lit. in that thread. i prefer sweet potatoes.
plus glycogen, stored energy in your muscles should be as full as possible when lifting and training hard. so keeping it as full as possible is achieved through carbohydrate use. so keeping them steady in a diet also has benefits with strength and size gains with progressive lifting. because if you arent lifting more (reps, weight, less rest) you aren't making progress.