Average score doesn't work. Only the 10 best of your last 20 submitted rounds counts. So if your scores range from 84-100, the average would be around 92 and your handicap would be a 20 under that method. But toss out the highest 50% and your scores range from 84-92, so for handicap purposes the average round is 88 or so. That makes your "simple" handicap a 16. That's not the actual number as other factors like course rating and slope get added in as well. If you're a "simple" 16 at a place liked Winged Foot (played there, beyond hard, barely survivable and my index is 3.4) then your actual handicap might be something like a 14 because the course is so much harder than average. And if you play at a muni with 480 yard par fives and no rough, that "simple" 16 might turn into an 18 because the course is so easy. The best bet is to just not have a real handicap, just play against your friends and tell them you're a 30 so that you get enough strokes to wipe them out.