I have many cassettes with the centre white insert, they work beautifully. Virtually all of these cassettes I have with the centre insert, are at least 15 years old. Later cassettes I have purchased, no longer have the insert.
My experience is that they work very well, but, and there is always a but, you have to cut the centre piece of film carefully.
The cut has to be made in one clean arc, not a series of 1/4 cuts, somewhere along the way one of the films will tear at the join of two cuts.
I never took the white piece out, I just inserted the film in so that the taper would lock if the film was pulled.
I have had the odd film tear, always the tear was a result of not having a clean single cut, once the film was cut so thin, about 3mm wide, that it just broke.
One of my guiding principles of bulk loaded film, is that you wind on carefully, from about frame No.34. As soon as resistance is felt, meaning you have come to the end of the roll, one has to re-wind slowly.
Sometimes the MD12 on my FE2 tore the film as it came to the end. The MD4 on my F3 cameras has never torn the film, I think it's manufactured to a better standard.
These days I use book binding tape, which is (I think) identical to the tape that is used on sheet film holders for LF cameras. This tape is good in that it is extremely strong, pliable and never leaves a residue after being pulled off.
If I'm out in the sticks and don't have access to tape then I ensure that I carry the cassettes with the centre wedge!
Mick.