I’ve tested this simulator and found it reliable. To test this, I used your default Zen values to do the simulation 7 times each, with or without insurance.
When taking insurance at Counts At Or Above Zen=+5, I found these numbers
% hand won: 43.466%
% hand lost: 47.997%
% hand pushed: 8.537%
When taking insurance at Counts At Or Above Zen=+50, I found these numbers
% hand won: 43.479%
% hand lost: 48.040%
% hand pushed: 8.480%
These results show that taking insurance will increase push % but decrease loss %. This is reasonable. Wonderful! However, I’d like you to improve these two things:
#1. As Don mentioned, you need to add a surrender option, because this is huge for counters. Additionally, you need to add the % for surrender, because this is tricky but important for Blackjack.
#2. Specify this as the American rules with a dealer hole card.
by: aceside
Thank you for trying it out! To do an exact comparison you would have to use the same shuffle seed. The shuffle seed determines the shuffle and composition of the shoes. There are shuffle settings below the first long results table. You can set the shuffle seed to any number but it would have to be the same for exact comparison (if the number 0 is selected or the field is blank the seed is random). The seed used for every run is displayed at the very end of all the results and tables.
I don't think that taking insurance should change the push %. The hands and insurance bets are evaluated separately.