That's the guidance I was looking for. It is interesting that you say to stick with HSS......currently frustrated with the learning curve to grind my own. I was hoping to use carbide bits for simplicity and hopefully a good consistent finish as well. 3/8 sounds like the way to go for my needs.
You can certainly use inserted carbide on your lathe. For an excellent guide, buy
David Best's book on the subject; it is the best guide on the subject anywhere, for any price, and I would buy that book before buying any inserted carbide tooling. It will teach you, help you to choose the best tooling for your lathe and it will help you avoid costly mistakes. Even if you don't use carbide, the book is well worth reading; if you do go with carbide then it is mandatory reading.
Now, with that said, carbide requires adequate speed, power and rigidity for optimal use. I don't own an Atlas 10F, nor have I seen on in the flesh, but I have seen enough written about them to have an idea that carbide may not be the best choice for you. Your lathe was made to be used with HSS tooling and that is what I would go with. The reasons are that HSS tools, when ground properly, will cut with far lower cutting forces, will rough deeper and finish more accurately and finer than carbide on this class of lathe. For example, if you were to attempt a 0.075" deep cut in mild steel with an insert on your lathe it would very likely chatter or stall; with a properly ground HSS tool you would likely be able to take a 0.100" deep cut in mild steel with no chatter at all. Then if you were to take a 0.0005" deep cut with that HSS tool, it would take it off accurately. To get that same 0.0005" off with carbide you would need to plan the cut well in advance and even then you might not make it.
In general, HSS tools are often the best choice for smaller, less rigid and less powerful lathes. They are simple to grind, cost is low and they can last for decades if cared for. You can also grind shapes that are all but impossible to find in carbide. HSS will not work well for very hard materials but for the vast majority of materials we work with in a hobby shop, HSS is often the wiser choice.
I get that grinding tools can be a challenge at first. I know this first hand and do sympathize with you. However, once you understand what you're doing and why you're doing it that way then tool grinding becomes a very simple matter.
I wrote an article here that sort of illustrates what I mean. If you can grind three flat spots on the tip of a blank then you can grind a really good HSS tool.
This thread will give you enough info on the subject to choke a horse.
There are a lot of guys on the forum that own and use both HSS and carbide on small lathes. I'm sure you'll get a lot of input on it if you ask.