You are concentrating on defending this have-to-be beaten contract. And it’s time for you to return this killer Heart, so partner can return Diamond in which you ruff for a set trick – the only one. Fourth best of course.
Not to be disrespectful with the famous Shakespeare's Hamlet's "To be or not to be", the fact is that question is exactly what most bridge player have on the table. Sometime play finesse is the winning theme, sometimes just cash
Theoretically, if everybody have super balance hand : 4-3-3-3 distribution, then for each suit, you will not be able to lose more than 3 tricks. Based on this, then it become a general reference that a suit will not have