That's correct, I view it as a bad "optimal" hold (aka, special play) and have probably saved thousands in my lifetime by not doing so. Never had the drawn cards made me sorry. I would have never hit a royal had I held the suited 10. I know people have hit them this way and my unwitting sister did just that, but I've probably made twice that amount of money by not doing it. But I was very glad for her, and all she could do was worry about the tax implications of the W2G. After a two minute explanation, her mind was at ease.