Try as I might, I can't convince myself that semicolon insertion is something that I care about. Maybe I already have the One True Format trained into me, but I don't think I've ever had to think about or know the rules for semi-colon insertion. All I know is that I don't need to end things with ";" unless I'm trying to cram multiple things on a line, which I never am.

That said, I remember seeing something about a way that semi-colon insertion leads to the possibility of a misleading "if", but I can't find it anymore.