Wearing glasses with a Quest 2 sucks. Lens inserts are absolutely the way to go here ...
I don't find wearing glasses with the Quest 2 to be particularly onerous, personally, but I also wouldn't necessarily object to a solution which obviates the need for my glasses. I have briefly considered getting contacts again, but it just hasn't been nearly big enough of an issue to bother. So while your opinion on that particular point seems debatable, the notion that lens inserts are "absolutely" the answer is very flimsy indeed.
First off, even the cheapest of these devices still aren't particularly "cheap." As such, it's not that uncommon for multiple users to share the use of a single device. In my own household, I share our Quest 2 with three of my kids. I am
extremely nearsighted. None of my kids inherited that; thankfully they got my wife's excellent vision. Thus, if Apple were to go with the lens insert option, it
has to be easy and quick to swap out the prescription lenses for standard lenses. Otherwise, it becomes an annoyance every time someone else wants to use the goggles. As it is with our Quest 2, all I have to do is take it off and hand it to the next person; no-muss-no-fuss.
Secondly, it's not an exclusively either/or situation. When I was younger, I once used an old-gen VR headset at an arcade which did not make any allowances for wearing glasses at all, but rather it included a built-in mechanism for enabling the user to manually adjust the focus to match their vision requirements. As I recall, it worked pretty well; I could see what was going on without difficulty.
Optometrists used to have even more sophisticated focusing tools at their disposal. If you've ever had the old-style glaucoma "puff" test performed, you might already know what I'm talking about; the testing equipment itself somehow measured your eyes and adjusted the focus for you. It was really a very peculiar experience, and you only got to appreciate the effect for about a fraction of a second before the machine ruined it all by puffing air at you to complete the test... but the point is that this technology exists and has for many years.
Now, I'm not expecting Apple to come out with an automatic optometry level solution, even at the premium price that they are rumored to target. I'm also not necessarily expecting them to show us a pair of goggles in its "final form" right out of the gates. But with all of their experience with iPhone camera lenses, something like that arcade's solution should be well within reach for them.