Judging by the cluster of recent threads on the topic this isn't a 100% straight forward deal. Personal experience and reading between the lines in what you guys report suggests that not everybody experiences the same outcomes, or that what works for one on sensitive materials like melamine coated particle board doesn't necessarily work for another.
Just thought i'd communicate what i've found, and try to kick off some discussion of the underlying issues.
For sure a good quality saw with an accurately running spindle makes a big difference, as do precise alignment (toe out versus the slider or fence) and stepping up to a premium/top quality/industrial quality blade. The latter means one with an accurately flat and stable saw plate/disc, plus precisely and correctly ground teeth. They typically use a finer carbide too, and hence can be sharper and some are definitely longer lasting.
Zero clearance inserts can perhaps be a bit of a catch 22 depending on what's going on. For sure they can add something to even very good set ups, but if all is not in order as above then there has to be a risk of hoping to solve a problem using a plate in circumstances which must to a fair degree kill its effectiveness. (by opening up the clearance) Against that (as in the recent melamine thread) it's often feasible to get perfectly clean cuts without one - using a good quality set up.
I'm not sure for example what the practice is in commercial scenarios in the US, but suspect that most rely primarily on quality hardware to get clean cuts?