First of all thanks for all the responses. ptree yours was especially informative.
Both Inswool and Kaowool fall under what is called RCF (Refractory Ceramic Fibers)
So from what I've read someone that is not working with it on a regular basis, like most of us assuming you seal it with some sort of coating, are at pretty low risk. Just like with most 'dangerous substances like asbestos, lead, radiation, etc... it is exposure to very large amounts and/or long term exposure that causes problems. With that being said, when I'm thinking and not being stupid I tend to err on the side of safety .
The MSDS recommendations are based off 8hr work days and the particle count in the air. I'm guessing most of us don't have a particle counter at home.
I found this recommendation chart My link. I believe this is based off an 8hr work day. This is from Canada and was the most straight forward recommendations I found. The least amount of recommended protection I saw was goggles, gloves and an N95 rated mask, I think this was on an Australian MSDS (not sure though).
I will be using goggles, latex gloves, disposable coveralls, and a P100 respirator. I will be doing it outside, since I don't have HEPA filtration in my garage. Like I said I tend to err on the side of safety.
Disclaimer:
I'm no expert, please do your own research when determining how much or little and what PPE to use.
-LouieIV