Hi Martin, I see - but that seems like it could be odd to use Inset for such a purpose since the overall purpose and UI for Inset is focused on making something with a border around it. 
 
Maybe the kind of thing that you're talking about would be better as a separate command or some kind of other option in Offset or Shell instead... 
 
You can get the basics of it right now by using Edit > Separate on the face, then doing a shell, then deleting the bottom face of the shell and then joining it back in. 
 
   - Michael 
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