It depends on what you're doing throughout the day. For example I've been able to eat simple carbs, and still drop fat, just because I am very active, this time of year. I don't worry about the insulin spikes because it's just getting burned. I still prefer complex over simple, but If I'm drained at work I will smash a steak and cheese for lunch, without worry. Also bananas are good too, but only if you are really active. When work slows down and I am less active, and eat complex all the time, and up my cardio. So yes it's good if your body is an incinerator throughout the day, bad if you're stationary most of the day.