Threaded inserts versus T-Nuts

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Any opinions on the use of threaded inserts versus T-nuts for driver mounting? I'm mainly concerned with strength; I've worked with both but have no way to evaluate their relative suitability.

To be more specific, my substrate is MDF and the thickness is 2.25". Fasteners are 10-32.

BTW, I discovered Boltdepot.com today. They have good prices on sometimes hard-to-find items such as black oxide cap head screws and short (1/4") philips machine screws.
 
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