50/40 X Game
Johnny Bravo is indeed correct for Lucky Ladies ;-)
Hand Pays Probability 50/40 Return
Qh-Qh & BJ 1000 3.35105E-05 0.0335105
Qh-Qh 200 3.69715E-04 0.0739431
Matched 20 25 6.04839E-03 0.1512097
Suited 20 10 4.51613E-02 0.4516129
Unsuited 20 4 1.74194E-01 0.6967742
Loser -1 7.74194E-01 -0.7741935
Total 0.6328568
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As for the 21+3 bet, I haven't analyzed it, but at first glance the only "bad" 1st card for the player is an Ace, Deuce, or King, because each of these three ranks can participate in only two straights, while all the ranks 3-Q can participate in three straights; as for the other payouts, flush & trips, all 1st cards are equal off-the-top.
Off-the-top, the player's 1st car will be an A, 2, or K with probability of 3/13 = 23.077%. With a guaranteed FCX, his 1st card will be a K with a probability of 1/4 = 25%. Therefore, getting a FCX actually hurts the player's 21+3 EV.
On the other hand, the 50/40 game is not so easy to analyze off-the-cuff: if your two cards are both X's, then you'll have higher-than-"normal" chances for trips and straights but slightly lower-than-"normal" chances for flushes.
Hope this helps!
Dog Hand