to ensure retaining of formulas there is a cell / row / column lockdown future which is invoked by F4 right after you type a cell reference. this will add $ symbols before column and/or row. there are 4 possibilities for how to refer to a cell:
type something into cell B3 and paste in cell E1 one of these:
=B3
(this will refer to B3 but by adding *row+column it will refer to C4)
=$B$3
(...by adding *row+column it will refer to B3)
=$B3
(...by adding *row+column it will refer to B4)
=B$3
(...by adding *row+column it will refer to C3)
*meaning of row+column - (adding a row between rows 1 and 2) + (adding a column between column A and B)
to ensure formatting to be not broken by inserting row+column you will need to pre-format them with or without using Conditional formatting
to ensure formulas will do what it should by inserting row+column you will need to use =ArrayFormula()
which counts for inserting row+column