if you switched to the 4:1 it'll be MORE rich, and, if you then add K&N pods to your CR's, you'll be even MORE rich.
the insulator is the ceramic covering in the center.
how do your plugs compare?

what i really think you should do is open up your CR's and find out what main and pilot jet sizes you have in there.
Its pretty easy. just 3-4 screws will give you access inside the carb bowl, and you can see. It will also give you a chance to turn in your mixture screws to see what (baseline) they are set at now.
you need to know where you are first, anyway, before you can decide how to proceed (after your K&N's go on) with jetting