The main bet on a tight live shoe is one of the best wagers left in a casino. The stickers on the same felt are how the room gets that edge back. They look like blackjack because a blackjack dealer takes the chip. They price like slots.
Twin Shot pays on your first two cards forming a pair: perfect 25:1, coloured 12:1, mixed 6:1. Studio RTP 95.90%. House edge 4.10%, about seven times the main bet. Three Up uses your two cards plus the presenter's upcard: suited trips 100:1, straight flush 40:1, trips 30:1, straight 10:1, flush 5:1. Studio RTP 96.30%. Edge 3.70%, about six times the main bet. Both can be placed only next to a main bet. Winning them does not care if the blackjack hand won.
The mix you actually played
$50 on the main bet at 99.44% and $10 on Twin Shot every hand is not a 99.44% session. Blended return: (50 x 0.9944 + 10 x 0.9590) / 60 = 98.85%. You donated most of the reason you sat at 3:2.
Rakeback can apply to the extras and still fail to rescue them. After a 60% cut those two wagers sit near 98.4% and 98.5%. That is better than raw 95s. It is not blackjack. Treat the sticker as a lottery ticket you meant to buy.
Insurance is the same product with better copy. 2:1 when the dealer shows an ace looks like a hedge. It is a side bet that is only correct when tens are rich in the remaining shoe. At the top of eight decks they are not. Even money is insurance in a costume. Decline both as policy unless you are counting and the count is loud.
Named extras, or do not mention them
Most lobby pages print one pretty main-bet number and let the stickers stay pretty. https://duel-5.com/blackjack splits the products: main bet 99.44% disclosed, 99.3943% independently priced on the eight-deck, 3:2, stand-on-all-17s, no-DAS sheet; 99.78% and 99.76% after 60% instant rakeback as cash; Twin Shot and Three Up left in the 95s, then shown again after the cut. That is the honest stack.
If a streamer calls it a "side bet tax," they are describing the business. The house does not need you to butcher 12 versus 2 if you will fund pairs for three hours.
Keep the 3:2 box. Buy the sticker only when you are buying a slot, out loud.