I looked up Don's table and found the gain numbers for these three decisions:

Insurance: 0.117%;

T,T vs 5: 0.037%;

T,T vs 6: 0.017%.

So, the ten-splitting gain is the sum of last two numbers. This makes 0.054%, which is almost a half of the insurance gain. The numbers say the ten-splitting decision is important. It is actually more important than the 16 vs T hitting/standing decision.

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