It is true that some carbs will spike insulin a lot more than others.
For example, dextrose, which is a sugar that very rapidly sends insulin levels sky high. For this reason a lot of people have liquid dextrose + whey protein after their workout, because after your workout your muscle cells will take on more nutrients than usual, but insulin drops during intense exercise. Spiking insulin post workout means that you can make the most of your muscles taking in more nutrients.
I think really, if you want to eat carbs, stick to rice, pasta and potatoes, this is of course whilst eating as much fruit and veg as you can push down. Bread is, very sadly, not the best of ideas. You just have to get creative to replace it. I think wraps are probably the best replacement, as they are very low in carbs, can be used for sandwiches and pizza. I did also try a cauliflower pizza base, which was very nice, and you still avoid storing too much fat.
**Ahem. This next bit is going to get bit geeky. Aha

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Basically, simple carbs are either mono(or di)saccharides, meaning it's just 1 sugar, or 2 joined together. A complex carb is a polysaccharide, poly is more than 2. It's the chain length that determines how quickly a molecule is digested, and hence how quickly it spikes insulin.
Now a simple carb is typically between 5 and 12 carbons long, usually in a hexagonal or pentagonal ring (or 2 joined together). A lipid (fats) can be 24 carbon atoms or longer. Because of the short chain length, carbs are used as the primary fuel. But it's not just black and white, the majority type of saturated fat in coconut oil has a very short chain, and hence is digested as a primary fuel; that's right, a saturated fat that doesn't lead to heart disease!
Proteins can be 120 carbons long, this is why protein takes a long time to digest.
So yes, simple carbs are much worse than complex carbs.