You have to get clearance from somewhere. Usually an insert with no rake is used with a negative rake holder to provide the clearance. The up side is that you can use all the cutting edges on both sides, doubling the insert life. The down side is negative rake increases tool pressure which could be a problem on less rigid machines. The inserts with rake already ground in are for use with neutral or positive rake holders. The up side is less tool pressure, the down side is you can only use the cutting surfaces on the top side of the insert.