Ed, After reading the entire thread I have seen a couple of bad pieces of advise,
! keep the cutting edge of the insert at or slightly below center,
2. the harder materials should be done with the 4 inch radius insert,
3. I don't use any other tool on a pen, other than a parting tool for tenon's, I turn the blank round with my PenPro, and then cut the blank to lengths and drill it on my lathe.
I'm not trying to be a smart a$$ but do not leave the insert loose as Penman 1 suggested, this will allow the insert to chatter or loosen up to the point of breaking.
I've made pens from the original non pliable tru-stone, and still done 3 or 4 pens per side, But the original is several times harder than the pen making Tru-Stone.
The only material I know of that does dull our inserts is Ebonite, and I don't know why, possibly the sulfur content, but this still hasn't been proven, I've spoken with the engineering department of the German company that makes our inserts and they are mystified as well.
Also you are putting the insert in with the flat to the top? Honestly I'm not trying to insult your intelligence, but this issue has come up in the past, BUT the inserts still cut properly, it just grabbed a lot.
I've never tried the black with gold matrix, so I've ordered a piece to find out what gives.
also with your lathe, are you able to keep the tool level? or do you have to raise the handle to get the cutting edge to get on center? if you do, let me know, and I can send you a modified tool as presenting the cutting edge at an angle can cause problems, more safety issues than any thing else, but still better safe than sorry.
Also try running your RPM at 2500 or better, see if this helps, This is the first complaint I've ever had about an insert going dull that fast, and we have sold nearly 8,000 inserts in the past year.