ah ednark,
i understand your problem,
why not try something like this
$arr = array('a','b','c','d','e','f');
$count = count($arr);
$insert = 3;
$char = 'X';
$arr2 = array_merge( array_slice($arr,0,$insert), $char, array_slice($arr,$insert,$count) );
print_r($arr);
print_r($arr2);