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Hi Lo. So I mean in practice, would it make much difference using 2 or 3?
Given that the STRIKE POINT, or break even point is 2.4, using 2.0 would be a costly error. However, as a variance reducing strategy (especially on shoe string bankroll) for good hands such as 19 or 20, insuring is okay. Also, right at strike point or even above as you mentioned 3.0, NOT insuring crappy hands is not a mistake (depending on factors).However, the higher the true count becomes, the more imperative it becomes to insure all hands.
Not asked, but as an add on, how to play player crappy hands in high TC’s will also improve your success rate.
But then again, what do I know.
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