Using the payouts at the local dive, and K-O, it looks like the breakeven is at +11. This assumes payouts of $4, $10, $25, $125. I didn't bother to put in the jackpot (Qh-Qh losing to dealer BJ).
My post asking about it is here:
http://bj21satellite.com/misc_bj/index.cgi?read=118184
The "sim", including source code, is available here:
http://www.geocities.com/uglydrakeling
If anyone would like to critique it, especially if there is an error, I would appreciate it.
The source code hasn't been cleaned up at all. There is some dead code in it, but it's small and simple enough that it probably doesn't matter.
Note that in Java, arrays begin at 0. I've used 0=ace, so a card with value 1 is actually the 2 (of clubs), and 12 is king (clubs).
0-12 clubs (suit 0)
13-25 diamonds (suit 1)
26-38 hearts (suit 2)
39-51 spades (suit 3)
Qh is therefore card 37.
The sim takes the current count, hands two cards to the player, and then decides whether it's a 20 or not. No dealer card gets taken -- it doesn't matter, after all (except for the super jackpot, which I didn't bother putting in).