I have an older craftsman saw that the 10" blade wouldn't go below the table top. What I did was take one of my 7 1/2" skil saw blades, put it on the saw and it would lower below the table top. Started my cut with that then switched to the 10" after I had raised the 7 1/2" as high as it would go. At all times I had the rip fence over the insert holding it down. I believe this is much safer. BTW no way am I going to try to lower a piece of wood no larger than an insert into a spinning blade.
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Home Made Zero Clearence Insert