My daughter cried her eyes out at the ending and i too thought it was unnecessary and could have left the ending with more promise (i can't say too much as someone might not have read the books and i hope you get what i'm saying!)
you can use spoilers to say what you want Rubymoo, when you reply use the go advanced option and click the button second from the end on the task bar that says spoil and post in between that
Spoiler:
It wasn't even the ending that really bothered me though, the story itself was just so stupid. Like another thing that really bothered me was David the head of the Bureau, that's so invested in his experiment he's willing to kill a huge chunk of them and wipe all the others memories yet he does something as moronic as letting Tris, a well known rebel and a former resident of said experiment, who's parents and friends were killed because of David, and the love of her life is one of the "genetically damaged" he lets her into his meetings where he reveals all his evil plans???WUT???
You may not be interested in this but someone wrote a fan fiction alternate third book and it's actually a really good read, she continues the story from the end of insurgent and it's a much much much better plot