🚀 go-pugleaf

Hello Kate,
Text insets work best if the text fragments are Frame files that share the same para format names and definitions as the container document. Text insets do work for other file formats such as Word or RTF but you can only retain formatting if the para format names in the original fragment match a correspnding FM para format name with the same definitions.

I have not tried text insets with keep source formatting. Sounds very confusiing and relies too much on other people to get their act together.

I don't think it's reasonable to ask Frame to take a badly formatted RTF (all Normal indeed!) and expect Frame to sort it out. If this is to be a regular offering from your contributors then you need to sort them out with a better process. Be gentle with them though, delicate flowers these contributor people.
Cheers
Ian