Using HiLo, but came across the idea of not insuring 16 vs an ace even though the TC is +3. I've scoured the forum and other sites about this, and there's a split opinion. Some say always insure at +3, some say don't insure if you have 15 or 16 at +3 and to also insure 20 at +2. Has anyone used a sim for this? Some data would be great.
