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[Nick Royale]

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I'm not familiar with the 1:10 set holding up number, but wouldn't that have to already include the probability of someone (or multiple people) having overpairs and hitting higher sets?

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Yes, but the probability someone holds an overpair to the 9's is greater in this hand since it's already capped when it gets to hero. The same 1:10 is used if there's only one raise in front of hero, but in that case the probability for that a higher PP than 9's is out there is much lower.

OTH a set can lose in differant ways than to another set, but this indication that strong hands are out there might make us adjust to 1:11. When there's only a raise you might adjust to 1:9.5.

As all of you understand 1:10 is not a very precise number since it varies with the number of opponents, their starting hands standards etc, but it's a much better estimation than assuming you win all the time.