I thought about this again and noticed what Gramazeka said. Like many blackjack decisions, these numbers depend on the rules and the number of players at the table. If there is one more player playing one-hand, the number should be 2x78% when you going from one-hand to two-hand.
I believe my numbers are correct. Let me show you my argument and math.
When playing heads-up with the dealer, you as the player bet 1 x 100% when one-hand, 2 x 74% when two-hand, and 3 x 58% when three-hand.
When playing together with one neighbor player with the dealer, you bet 1x100% when one-hand and 2 x 78% when two-hand, because 58%/74%=78%. All players’ hands must be considered towards the calculation for covariance. Here we assume the neighbor player plays one hand all the way.
Does this make any sense?
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