Dave, you've gotten some good answers but let me muddy the waters a bit more.
The problem with mini-lathes is that they lack rigidity, speed, power and size capacity. When speaking about carbide tooling, and especially inserted carbide tooling, all of these things matter. A deficiency in any one of these capabilities will impair your ability to use carbide as intended. A lot of mini-lathe guys use inserted carbide and think they work well but it isn't until you see how carbide works in a high horsepower, high speed spindle situation that you understand that there's "work" and then there's work.
Inserted carbide tools will work on your little lathe. I mean, it will cut. However, you lack all of the things above so do not expect carbide to give you all the benefits it would normally confer. I own a Sherline lathe and I've used inserted carbide, brazed carbide and HSS with it so I'm not guessing here. Inserted carbide will work for you, and you don't have to grind anything to do so. What you will also find, however, is that the cost for this tooling will be much higher vs HSS and you will not be able to cut to tight tolerances as easily. Yes, carbide works better for harder materials but you still need enough power, speed and rigidity to cut it and you may not have it ... just saying.
If you still want to try inserted carbide tooling, probably the best geometry for a small lathe will be an SCLCR tool holder with CCMT and CCGT inserts. If you go this route, ask the guys and they will guide you.
Regardless of what the Youtube guys show you, lathe work is not really about deep roughing cuts; it's more about accuracy at the small end of things. A good HSS tool will usually cut what you dial in, whereas an inserted carbide tool requires a lot more skill and experience to do the same thing. You can definitely cut accurately with a carbide tool but you have to know how to work with the insert geometry and nose radius of the tool, and there is a whole lot more to it than you might think.
If you wish to work with HSS but either cannot grind it yet or just prefer inserted tooling, look at the AR Warner line of inserted HSS tools. Their inserts are flat on top and can be easily sharpened by honing the top of the insert so the cost per insert, while high, is not bad considering how long one insert will last.
Of course, your best bet will be to learn to grind your own HSS tools. It will work better for most materials, will be easier to use and will cut more accurately on your little lathe.