If you keep "trusting yourself" and not the math you are not going to be a successful card counter. I want to be nice, to help you out, but that mindset will destroy any chance of winning money consistently.
As for surrender, late surrender adds 0.07% to your edge off the top, it is a valuable rule if you can get it. (https://wizardofodds.com/games/black...le-variations/) It's hard to compare to deviations, especially since different bet spreads, rules will result in different edges, different values for insurance. But both are valuable.
In the same situation I simmed before, flat betting with the most valuable (I think) 25 indices still has you at a negative EV, -0.2%. If you wong out, leave the table when the count gets to a true -1, you can make money flat betting though. 10K bankroll and 2% risk of ruin lets you bet $20, for $7.25 an hour.
One issue with this is the N0 (https://www.blackjackapprenticeship....advantage-play) Your bankroll will swing a lot with that play. After 500 hours, you could be anywhere from $10,000 up to $3000 down.
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