If you try to follow Wong's explanation, your numbers simply don't equate. When you side count aces in Hi-Lo, you need 2.9 for insurance (not to be confused with 2.4 if you don't count aces).
To take but a single example, you state that, with a +4 RC, the minimum number of aces that have to have been played to take insurance is 0, with 1.5 decks left. Since two aces should have been played, there are an extra two aces remaining over normal. As they count -2 each, your RC of +4 gets reduced to 0, and so you should NOT insure. Many of the other examples don't work either.
Don
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