As you say, <ins> is intended for inserted text, the fact that it's usually rendered as underlined by default should not be relied upon. If one wants underlined text, it's better to use <span> with a class, or maybe a styled <em> (emphasized), with or without class, if that's what the underlined text represents:
Code:
An <span class="uline">underlined</span> word.
An <em>underlined</em> word.
An <em class="uline">underlined</span> word.
All will look the same if you use these styles:
Code:
span.uline { text-decoration: underline }
em { text-decoration: underline; font-style: normal }
em.uline { text-decoration: underline; font-style: normal }
of course, the third is redundant if you also use the second, but it may be useful if you have some emphasized words in italics, for instance, and others underlined.