The (gammon) save and go rollouts below suggests that S (Split, 24/23 13/11) is the best play at all scores. (The money decision isn't close.)
s[S U18] "<=5
s[S $3] "<=20

              
 
              
 | | White is Player 2
score: 0 pip: 159 | 2 point match Crawford | pip: 161 score: 1
Blue is Player 1 | |
| XGID=-b--B-D-B---eE---b-d--b-B-:0:0:1:21:1:0:1:2:10 |
| 42P-53P-21-s |
| 1. | Rollout1 | 24/23 13/11 | eq: -0.238 |
| Player: Opponent: | 52.46% (G:19.09% B:2.98%) 47.54% (G:14.34% B:1.46%) | Conf.: ± 0.004 (-0.242...-0.234) - [100.0%] Duration: 45 minutes 58 seconds |
|
| 2. | Rollout1 | 24/21 | eq: -0.256 (-0.018) |
| Player: Opponent: | 51.62% (G:17.22% B:2.90%) 48.38% (G:14.40% B:1.18%) | Conf.: ± 0.004 (-0.259...-0.252) - [0.0%] Duration: 46 minutes 39 seconds |
|
| |
1 5184 Games rolled with Variance Reduction. Dice Seed: 80390550 Moves: 3-ply, cube decisions: XG Roller
|
eXtreme Gammon Version: 2.03, MET: Kazaross XG2

              
 
              
 | | White is Player 2
score: 1 pip: 159 | 2 point match Crawford | pip: 161 score: 0
Blue is Player 1 | |
| XGID=-b--B-D-B---eE---b-d--b-B-:0:0:1:21:0:1:1:2:10 |
| 42P-53P-21-g |
| 1. | Rollout1 | 24/23 13/11 | eq: +0.423 |
| Player: Opponent: | 53.51% (G:17.66% B:2.02%) 46.49% (G:17.21% B:2.21%) | Conf.: ± 0.002 (+0.421...+0.425) - [96.8%] Duration: 3 hours 35 minutes |
|
| 2. | Rollout1 | 13/11 6/5 | eq: +0.421 (-0.003) |
| Player: Opponent: | 53.31% (G:17.72% B:1.95%) 46.69% (G:19.36% B:4.46%) | Conf.: ± 0.002 (+0.418...+0.423) - [3.2%] Duration: 3 hours 53 minutes |
|
| |
1 20736 Games rolled with Variance Reduction. Dice Seed: 68886244 Moves: 3-ply, cube decisions: XG Roller
|
eXtreme Gammon Version: 2.03, MET: Kazaross XG2
Nack