Route mapping tool - INSERTING a point I'm kind of frustrated by this, because after long time of internet searching, I found none that would satisfy my needs.

The problem is that I want to HAND-DRAW my route by first clicking it's endpoints, then refining the route in between.  So, I need a tool that will have ONE feature that all other tools lack - INSERTING a point between two points already in place.  Of course, it has to work ON google maps in satellite mode, so I can map across the fields and so on.

I don't care for an algorithm, since it is useless - I'm not following charted roads.

BTW: HAND-DRAW above means to draw it by hand on a computer, not on a paper :)
You could use ridewithgps to build your map. It allows you to drag waypoints off the main route and re-routes (can be used without auto routing as well if you prefer).  You'll have to pay if you want to print from their site.  However, you can print a cue sheet free or export the saved map in GPX or TCX format to print with another application or website that accepts these uploads.