I am a 12 handicap. In my opinion, if you have a low handicap buddy, the best option for any serious competition or wagering, find 2 guys like yourselves and duke it out. As far as tournaments, screw handicaps, if you dont shoot the lowest round''s'', you're not the winner, and if you can convince yourself otherwise and feel good about it, then you do not have a concious. I have not played in my club championship in the 2 yrs ive been playing, and wont until i feel like I can give a go without turning a handicap. I started to play last year just for the experience, but had other obligations.Im going to try to play in this years, but I refuse to turn in a handicap as far as that goes. I mean you get a parking spot with your name on it as ''club champion''. But he had 12 strokes, who wants that? Not me, pal.