d-down21 said:
If I spread 1-4 in a six deck game with surrender only using insurance and sixteen against a ten as index plays will I be playing with a "positive" expectation?
it depends on the rules of the game. if it is H17, then most likely not.
if you are using all 16 or so index plays, PLUS the surrender index plays, then you will be above break even, but only barely. if you wong out of bad counts, and backcount into a few good shoes then you will be +EV for sure.
for an LS H17 game there are about ~6 times you surrender in neutral counts (using BS) with an additional ~4 times you surrender in + counts.
for a S17 game, there are about 4 times you surrender in neutral counts (using BS).
if you are in a H17 game and are not using surrender properly even a 1-6 spread won't get you break even.