I know mathematically it's the right thing to do, but when you take insurance and the dealer doesn't have BJ, what do you do with a stiff (12 - 16)? You have your max bet out against an Ace, and you've already lost 1/2 of that on the insurance bet. Hitting seems to be the only option, but the deck is still rich in high cards that can bust you out. Any insight into this situation? Thanks.

Jay