I have it locked in my head from something I read somewhere 25 or 30 years ago that the average dealer's completed hand will contain 3.0 cards as opposed to 2.7 for the player. It may have been in a very old blackjack book, or perhaps even one of Julian Braun's published papers.

The reason is that although the player splits roughly 2% of his hands, the dealer hits 100% of her stiffs and never limits herself to just one hit by doubling down.

Rather than undertake what will probably grow into a lengthy computation, can Don, or Norm, or somebody verify or refute this?