I did it .........and glad
So on the advice of some of you here..........I bought the Fog City insert.
The frickin thing is just amazing. The temp was 28 here this morning, 10 seconds after closing the visor the shield around the insert was completely fogged over. NOT the insert........clear as a bell.
To date, some of the best money I have spent on gear. If this thing lasts, for 20+ some bucks it's worth every penny.
Thanks for the info guys.