Occasionally players will double down or take insurance for less than the maximum allowed. There are legitimate reasons why players may do that (e.g. not enough money left), but more often than not, this is done in an effort to avoid being detected as an advantage player.
Unfortunately, when entering a double or insurance decision, BJSurvey always assumes the maximum that's allowed, so what should you do in such a case?
When a player doubles down for less, evaluate why he didn't. Does he have chips left to play? Is it a hand you would usually double down on? Enter the double decision, if he appears to have a legitimate reason and don't if he doesn't.
Also evaluate what BJSurvey calculates when not entering that double decision. E.g. if the player has an 11 against a dealer's ten and receives a 3 for a total of 14, not entering the double would result in BJSurvey reducing the player's basic strategy skill since it appears the player stood on a 14 against a ten. In such a case, it is better to enter the double decision.
I can't think of any legitimate reason why a player would take insurance for less (post in the comments below or send me an email, if you do). Therefore my recommendation is not to enter those insurance decisions.
The good news is, that even though the "Total Money Wagered" and "Actual Money Won/Lost" in the Summary Report may be a bit off, the determination if the player is a card counter is not affected at all since it is totally independent from the player's decision strategy. Even the decision strategy calculations won't change much, if you pay attention to those decisions and enter them accordingly.