Parameters unrealistic
"Keep in mind that a single insurance situation with TC+10 is worth 8% of a maxbet which represents about 40% of the hourly win rate."
Which happens how often, about once a week? Or less??
Let's not beat this to death. Your 1-30 and play alone and other assumptiuons are unrealistic to me. But, they're your assumptions, so knock yourself out. Under normal circumstances, I just don't see insurance being worth that much to the player.
Maybe I'm wrong.
Don