I can see where a loose point (not tight to the front of the shaft so impact is transferred to the front of the arrow shaft) could seriously test the integrity of the bond between the HIT and the inside of the arrow shaft. All or most of the impact force would be trasferred to the insert, which has no bearing surface on the front of the shaft itself. The HIT is only kept from being slammed back into the shaft by the strength of the epoxy bond. If the point is tight, the front of the shaft should take most of the impact. I'm sure Len can put it into much better, and more specific terms.