aceside - I think you are confusing the various bust bonus side bets. You bet one of them AFTER you see the dealer's up card and the number of cards don't matter. All that matters is a suited or non-suited bust. Other versions pay based on the number of cards in the dealer's hand and the bet is placed prior to the hand being dealt.

Note for Norm - I haven't updated to V6 yet, but on the side bet version where the payout is based on the dealer's up card and whether or not the hand is suited, and bet placed after the cards are dealt, I hope you noticed that the rules read the player must have an active hand to bet this, meaning if the player busts or has a BJ, a bet can't be placed by the player.