If ever Picard does anything silly now, we can just blame the Irimodic syndrome. But from what I remember, Picard thought that was it for him ("Sorry Enterprise, time's up" or somesuch), so I'm not sure he's to blame. Maybe the Enterprise only had Picard's signal in time, or something. It's a while since I've seen it.
As for Insurrection in general, there are some good ideas there, but I think the script was very much in need of a rewrite. I can't help thinking at the moment that the So'na are in the right. As I remember, the Ba'ku aren't native to the planet, and so, as the So'na are an offshoot of them, the So'na have as much right to the planet as they do. As well as all the many people the stuff in the rings could have helped medically. My second-least favourite Trek film. after TMP.
Why did Piller right the ninth film anyway? Moore/Braga were a great team, and I'd rather they'd written another.