At ZER0 T.C. it matters not at all.
Especially since you are betting little.
In a shoe game Hit at -1 or below.
In a pitch game Hit at 0 or below.
You are seriously overthinking this.
The actual indices are fractional, and
the indices that we use are "averaged"
over all possible hand makeups.
It matters if you considered losing
or gaining 2 or 3 cents on a $25 bet.
"Pearls before Swine."
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