dngu047,

There is a page on this site that compares the TAB price to Bookie price for short-priced runners - you might want to have a look at that. Basically they define "short-priced" as under about $5.50 and in this price range the bookies are generally better value. My own research which was based on selections paying $8 and over ONLY indicated that for these runners you are better, on average, with the best TAB dividend. Of course there are always exceptions in both cases - sometimes favourites pay better on the tab and sometimes longshots are better at bookies but in the long run the averages will work out.

So in general I would go with Top Fluct. for horses you expect to be $5.50 or less and TAB or Divi+ for horses you expect to be $8 or more. I can't help you with the middle ground between these two but I suspect you would find that there is not much difference between the two (in the long run).