To simplify the math, we assume a game of infinite decks game without the surrender option and consider only the player’s first two cards. Player only is allowed to have two cards. To let me make corrections again:

1. Player makes a stand/hit decision when 16vs10 at a frequency of 55%*(13/169)*(4/13)=1.3%. Here the 55% is the frequency of TC>=+0.
2. Player makes an insurance/no decision at dealer Ace at a frequency of 8.7%*(1/13)=0.7%. Here the 8.7% is the frequency of TC>=+3.

The (6,T) and (T,6) permutations have been considered, and all other combinations (7,9), (8,8) for two-card 16 have been considered too. Thank you for your insight.