Apparently HiLo is not a good count for this hand, because this hand heavily depends on the density of the two cards 2 and 3, not that much on the density of 10s. Based on your calculation, I can roughly estimate a deviation HiLo TC index for this hand, ~+3.
Also, I like the idea of using RC for this hand. For 2-deck games, I have been using RC for insurance decisions with a lot of success. If the RC is +5, +4, +3, +2, and +1, I buy insurance.
For this hand, if the RC is +5, +4, +3, and +2, I surrender.
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