Most all players these days know not to take insurance. I rarely see anyone buying insurance. Insuring that seven with a huge bet out looks pretty suspicious. Would a heat adverse strategy to insure all 20's be worth it or would you completly throw away your edge on the insurance bet? How much does it cost to always take even money on blackjack? How about 12vs 2 How much does it cost you if you stand pat on 75% of these plays. I've notice over the years people have tightened up their basic strategy but i still see a lot of standing on 12v2, and especially 12v3. Funny i never see anyone hit 12v4,5,6 even though this is a marginal play.