TF of who? Bob, Bill and Benny the bookies?

Great TF prices from a cherry picked race, as long as you didn't back the winner !

Syd. R4
Geigeron $5.00w [Bob, Bill and Benny]

$5.20w Uni tab
$5.30w Vic tab

It's all swings and slides in the end regardless of where you bet. You'll gain on some bets and lose on others.

For the average $100 [Sat. bank] punter, they should go with whatever is easy. TAB is easy and there is no credit lines or bank transactions involved either [which incur charges].
Bet cash and get payed in cash or have a TAB account which allows simple cash in cash out transactions. A few cents here and there aren't going to make the slightest difference long term as it all comes out in the wash at about even or maybe a schooner either way!