If you will be using bind variables in you VB queries, then I wouldn't worry about the difference. If that is not possible, then use SQL Loader (SQL Loader DOES use bind variables). The use of bind variables will keep Oracle from having to
reparse your insert statements every time you execute them.

By the way, DDL statements are things like CREATE TABLE, etc. Things that create, alter or drop objects. Update/Insert/Delete are DML

-John