You're dealt a pair of 3s. The dealer shows a 10. Split or play it as one hand? Basic strategy answers:
| Hit ← | -0.3377 |
| Split | -0.5214 |
| Stand | -0.5404 |
| Double | -1.0623 |
| You bust on the next card | 0.0% |
| Dealer 10 busts | 23.0% |
Hit is not close: it beats Split by 0.1837 per unit. Getting this one wrong costs $1.84 on a $10 bet, every single time. Across the 340 situations in this chart it ranks 306th by expected value — better than 34 of them, worse than 305. Expected value is per unit staked, computed for multi-deck, dealer stands on soft 17, double after split allowed. The model and the code are published as data.
A dealer 10 is too strong to justify splitting 3s — you'd just be doubling your exposure with two weak hands. Play the pair as a normal total of 6 instead: hit.