My understanding is that both produce an insulin response. I'm out of my depth here, so let's ask
@Fab Foodie
Quick answer for now ( I need to spend some time on this thread!).
All carbohydrates are composed of sugars, they are either free or joined together as in starch, maktidextrins, celluloses, pectins Xylans and the like. Some can be broken down in humans like starches, others cannot like celluloses (dietary fibres if you like).
The rate at which carbohydrates are broken down reflects their GI value and this may be affected by the starch form (of which there are many) and the food structure its associated with.
Now, insulin is the bodies sugar scavenger molecule if you like and its main role is to regulate how much sugar is in the blood at any given time ( to stop us fainting or going into a sugar coma) and importantly to make sure any excess is stored for leaner less food abundant times, and that it does very effectively by storing excess as fat.
At any given time there will be some small amounts of insulin activity organising the sugars gently released from your porridge. Much will be utilised by the brain ( a huge glucose consumer), some will be used for fuelling normal cellular activity, much will be stored in either the liver or the muscles as Glycogen, the bodies primary short-term energy store. The glycogen storage however is quite small and any notable excess will be converted to fat.
Most people with a reasonable diet and moderate exercise will tend to have their glycogen stores reasonably well stocked most of the time, trickle-fed by their diets.
Imagine now that we go a drink a coke with all that free sugar. The body suddenly has a high rush of sugar coming it's way, a large quantity of insulin is produced to deal with it to prevent a sugar coma. What will it do with this sugar if it's glycogen stores are mostly full and the brain has plenty already in the blood to feed it? The body has to convert it to fat as it has no other coping mechanism.
But there's is another downside .... The sudden insulin response is not perfect and it can overdo things leading to storing too much and temporarily loosing control over blood sugar levels so that they drop .... Which makes us feel hungry .... For sugar! So we can get a yo-yo effect. Drip feeding carbs via low GI or a lower sugar diet allows the body to control itself better.
Ultimately any excess digestible carbohydrate can be stored as fat if glycogen stores are full.
Not very short was it? Hope it makes sense!