The problem is that 16 v. T is one of the most frequent plays in blackjack, and so when you decide to play it wrong almost half of the time, even with minimum bets for when you're supposed to hit, there is a loss. It isn't possible to quantify it without letting us know your bet ramp, preferred game, rules, etc., but it isn't altogether trivial.
If, on the other hand, you systematically try to avoid negative counts, either by backcounting or taking frequent breaks in bad counts, the cost is obviously almost nothing at all.
Don
For the normies, whether they hit a 16 versus a 10 seems to be an "intuition" thing. For basic strategy, you already know the answer. My preferred system, Hi-Opt II, with sweet 16 indices has me standing if 0 or above TC. When playing with indices, especially FULL indexes, you can make some of your plays appear to be of 'feeling' in nature by spouting the old "they don't call it gambling for no reason ..." or "I feel that it's going to be .." line before making the play.
On 16 vs D10, if I am just doing basic strategy on a six deck, enjoying a few drinks and some small talk, I will always hit it unless I've been maintaining my "drunk count" and the TC is for sure positive.
