As a Formerly Fat Boy, insulin resistant, now large and muscular, but NOT insulin resistant...
Carbs are not carbs... Gross oversimplification.
Simple carbs like sucrose, fructose, potatoes, white rice, white bread, fruit juice... High insulin response... Lactose as well...
Other carbs like sweet potatoes, whole wheat, vegetables, fruit... Low to moderate insulin response.
Some like beans, legumes and such have low to extremely low insulin response.
Also ingestion timing matters immensely. When you are depleted, like after sleeping, after a long ride or work out... Insulin response will be much lower to any input when you're depleted. Also the insulin response will be different, muscle cells low on glycogen will pull in when low on glycogen even at low insulin levels however much faster when with insulin.
It seems that insulin causes its damage when it is at high levels and long duration. This is usually in response to intake while muscle cells are already have enough glycogen.
If you are really interested look up the metabolic pathway for alcohol... Amazing, really.