[BruceZ]

In single deck blackjack, a player who simply mimics the dealer, meaning he never doubles, never splits, never takes insurance, always hits 16 and below, and always stands on 17 and above, loses at 5.7%. A player who plays to never bust, meaning he always stands on 12 and above, loses at 6%. These numbers are from Beat the Dealer by Edward Thorp, the inventor of card counting. He estimates that typical players lose anywhere from 2 to 15%. This covers most of the plays you mention, and this is easy to verify by simulation. 60% is way out of line.