Yeah you are correct.
I did say .96 has little to no affect... I was using the rounding as I was thinking course rating. The course rating used for competitions/bets is where the rounding occurs and is where one gets the benefit (slight benefit) of the bonus for excellence.
For example suppose:
I had quite a few good shots today but I guess this one will take it due to the outcome.
At the 529 yard (really about 495) par 17th hole, I hit a drive center fairway to the 200 yard marker, left me 208 to the pin. I settled on my 3 iron and hit it to 6 feet for eagle. Dropped the putt for my first eagle in 3 years...