Think of it this way:
13 vs. TEN is little different than 12 vs. TEN
There is NO index where it is correct to stand on that 12.
Why not ? Think about it for a moment.
At a VERY high True Count the TENS are dominant.
The dealer's likelihood of having a pat 20 radically increases with a growing T.C.
Simultaneous with that is your chances of "busting" your 12/13
IF the dealer's hole card is a small one then he MAY "bust — or not.
IF you draw a card and hit a small card, your situation actually WORSENS,
because you will never draw a 4th card at a high T.C. — and the T.C. has increased slightly.
Your only likely winning route is to draw a 3rd card — hoping for a 7 or 8 — cards that your count is unlikely to include.
So … you reflexively HIT.