RayV wrote:

I would be concerned about the exposed edges where you make the cutout
for the insert. Won't take long before it starts to get fuzzy and
swell up.

I made my router table top two years ago with laminated MDF and plywood.
While it is true that the MDF is a bit fuzzy, it hasn't swollen up yet.

I do live in a fairly dry area, so maybe if you're in somewhere a bit
more humid it could be a problem.

Chris