The Ridges have an insole. The boots actually fit pretty good except around the upper ankle where they're a bit big. I have short, fat feet, so I'm used to some compromises on specialty shoes.
I think I'll probably stick with the Ridge's for now. They're just a bit clunky for just walking around. I'm a super lazy person - my year round default footwear is Birkenstocks believe it or not. A couple of times, being too tired to switch back to the riding boots, I cheated and just rode home from racquetball with racquetball shoes. I'm definitely getting a little too comfortable (cocky) on the ole GZ.
(I once owned 9 pairs of New Balance 1220 9 1/2 4E's - one of the few running shoes that fit my feet perfectly. I bought them back in 2004 when I was running marathons. I had three when they stopped making them. Running shoes are only good for about 300 miles or so. You run a lot to train for a marathon and rotating them lets 'em dry out and reduces compression and wear. I bought up the remaining pairs I could find locally, and then online. 4 years later, I still have 5 of them left. I recently took the last new pair out of the box...)
