Amish, "Inside" are the four inside numbers (5,6,8,9) and across are all the numbers (4,5,6,8,9,10). You might want to take a quick refresher by reading the Glossary:
Maddog's Glossary of DI Terms
$44 "Inside" is" $10 on the five, $12 on the six, $12 on the eight, and $10 on the nine.
$64 "Across" is: $10 on the four, $10 on the five, $12 on the six, $12 on the eight, $10 on the nine, and $10 on the ten..
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Not sure I follow the example Heavy gave of how the rolls are tossed, but I think it goes something like this:
Roll 1 ~ 8 - set point
Roll 2 ~ 8 - make point
Roll 3 ~ 8 - set point
Roll 4 ~ 8 - make point
Roll 5 ~ 5 - set point
Roll 6 ~ 5 - make point
Roll 7 ~ 4 - set point
Roll 8 ~ 4 - make point
Roll 9 ~ 10 - set point
Roll 10 ~ 7 out
$44 Inside pays (assume we are not working on come-out rolls and have no PL, but place the point);
~ the eight twice for $14 each -- $28
~ the five once for $14 -- $14
~ the four once for $0 -- not bet
~ the seven out for (-$44)
Grand Total a loss of ($2).
$44 Inside pays (assume we ARE working on come-out rolls and have no PL, but place the point);
~ the eight four time for $14 each -- $56
~ the five twice for $14 -- $28
~ the four twice for $0 -- not bet
~ the seven out for (-$44)
Grand Total a win of $40.
$64 Across pays (assume we are not working on come-out rolls and have no PL, but place the point);
~ the eight twice for $14 each -- $28
~ the five once for $14 -- $14
~ the four once for $19 -- $19
~ the seven out for (-$64)
Grand Total a loss of ($3).
$64 Across pays (assume we ARE working on come-out rolls and have no PL, but place the point);
~ the eight four times for $14 each -- $56
~ the five twice for $14 -- $28
~ the four twice for $19 -- $38
~ the seven out for (-$64)
Grand Total a win of $58.
$10 PL w/Max 3x/4x/5x odds
~ the eight twice for $10 PL & $60 for odds -- $140
~ the five once for $10 PL & $60 -- $70
~ the four once for $10 PL & $60 -- $70
~ the seven out for -$10 PL & -$30 max odds (3x on 10) -- -$40
Grand Total a win of $240.
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Now let me shake up Heavy's roll sequence a bit so that it goes something like this:
Roll 1 ~ 6 - set point
Roll 2 ~ 8 - a number
Roll 3 ~ 8 - a number
Roll 5 ~ 5 - a number
Roll 7 ~ 4 - a number
Roll 4 ~ 8 - a number
Roll 6 ~ 5 - a number
Roll 8 ~ 6 - Make the point
Roll 9 ~ 10 - set point
Roll 10 ~ 7 out
$44 Inside pays (assume we are not working on come-out rolls and have no PL, but place the point);
~ A total of six inside hits @ $14 each -- $84
~ the seven out for (-$44)
Grand Total a win of $40.
$44 Inside pays (assume we ARE working on come-out rolls and have no PL, but place the point);
~ A total of seven inside hits @ $14 each -- $98
~ the seven out for (-$44)
Grand Total a win of $54.
$64 Across pays (assume we are not working on come-out rolls and have no PL, but place the point);
~ A total of six inside hits @ $14 each -- $84
~ A total of one outside hit @ $19 -- $19
~ the seven out for (-$64)
Grand Total a win of $39.
$64 Across pays (assume we ARE working on come-out rolls and have no PL, but place the point);
~ A total of seven inside hits @ $14 each -- $98
~ A total of two outside hit @ $19 -- $38
~ the seven out for (-$64)
Grand Total a win of $72.
$10 PL w/Max 3x/4x/5x odds
~ Made one point (the 6), $10 PL & $60 in odds (5X on 6) - $70
~ the seven out for -$10 PL & -$30 max odds (3x on 10) -- (-$40)
Grand Total a win of $30.
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So you can get quite different win/loss results depending on how the roll results come out, but I find that the way I listed the numbers is what I see as pretty common for a lot of DI hands.
To answer your original question Amish. I look at my PL bet as the "gravy" bet and the necessary bet (i.e. you have to make the PL or DP to shoot). But I desire, by far, trying to get in as many hits as possible before the seven occurs. with the PL, if you are using your odds appropriately, then you basically need to hit something like 45% wins to break even (I probably have that percentage wrong but it is a bit less then half), so I don't worry to much about the point and let it take care of itself. Instead I focus on a repetitive toss that improves the probability of repetitive numbers and try to take advantage of that. My logic is that it is much easier to try and repeat then it is to chase.