You’re wrong about the insulin response, but right about cheating after a workout.
On the other hand, there’s another way to look at it. Your best gains come from that PW meal as well. So if you fuck it up, you’re limiting your gains more than you would with any other meal. See what I’m saying?
I’d say that if you’re trying to cut, then cheat after your workout. If you’re trying to gain muscle but don’t really care as much about how much fat you put on, then pick another meal to cheat with.