I'll second Mike,
there really is no use in guessing. Really add the record and work with the really generated ID is the only way you can be sure you'll have no flaw.
Especially if you need the "estimated" ID as foreign key, you'd just spread a probable error. Work with -1,-2,-3 etc as temporary IDs instead and do a cascading update, when you finally save and the database creates the real key.
The only situation where you can be sure the next id will be max(ID)+1 is, when you do a single user app.
Bye, Olaf.