Thank you all 3 for your wisdom!!! No bowls inside!!!!!

I've been researching rice cookers, and think I have found a good one for me-

Zojirushi Micom 3-Cup Rice Cooker and Warmer, 3 cup- one-piece, delay timer, good quality, good reviews...

My main purpose for it will be to have hot cereal ready to go when I wake up in the morning. To minimize cleanup, I was wondering if it is OK to put a bowl in the cooker (with perhaps a towel underneath to protect the nonstick surface of the insert) with your oats and water instead of directly putting the ingredients in the insert. I guess this would be a no, but I thought I'd ask!

TIA,
Carol