95*0.85 = 80.75-72 ~> 8 handicap.
If we make it 95*0.95 ~> 18 handicap. Which seems about right.
I average about 90 and am about a 14.5 to 17 handicap. The 14.5 is based upon my low average 9 hole scores and 17 is based upon my high average scores. Since I am new to the game and have an uncertain short game, I stick to the 17.3 handicap given to me. Unless, I am competing, then the 15.
I think the 0.85 is the thing I am complaining about. That would create too much of a difference between the 10 rounds I throw away and the 10 rounds I keep. I think it should be 0.95.
Am I looking at this correctly?
Well, your math is right anyway... 87 is 85% of roughly 102. I also think your 95% of all rounds is probably closer, especially since the actual handicap formula uses 96%..