I don't think the inset command gets the love it should. For me, the nomenclature just didn't "speak" to me, or "make perfect sense...

So, for me, it may be adding a second tick.

To me, "inset" would be "how deep the slab carved off. (No border preserved)

Then a tick for border thickness adds the outer border, at some thickness.

Then groove, changes the slab removal, into a groove removal.

Then "use separate height" would add a second depth to the "slab part", separate from the groove part...

I think i really just need to spend an hour on the inset command, to wrap my head around it and its setup better....