Free, on May 31 2010, 11:03 AM, said:
At imps, if you go down your average sinks to the ground, at MP it doesn't. The fact that Jack doesn't count in MP but in points explains the difference in play.
This may explain Jack's thinking, but I don't think it is correct analysis.
Finessing loses the contract only if it loses, the opponents then get a diamond ruff, and they still score two diamond tricks. Unlikely the opening leader (East) has a singleton diamond, or will manage to shift from
♦AJxxx. Hence the danger is substantially the chance that West can win a
♣ shift and get a
♦ ruff. That's 4-5% assuming the imaginative
♣ shift from East.
Finessing gains the contract when
♠Qxxx(x) is onside and there are two natural
♦ losers. Counting only
♠Qxxx, that's about 7.5%.
Hence even if overtricks were negligible compared to the big fat partscore bonus

I'd finesse as the best chance to make 2
♠. But really, even the overtricks from finessing may well overwhelm the small chance of a
♦ ruff defeat.