Hello Have any of you used these downlights before? I’ve had a look online and they look good, with a shallow depth and choice of light colour and dimmable. Just wondering on quality and reliability. Is it correct that insulation can be laid directly over them, so touching the light fitting? Would be very difficult (not impossible) to get to where they are if i need to put covers over them, and if they don’t need a cover and insulation can be touching them I can get one where I thought I couldn’t before. thanks for any help.