HU against the passive guy, yeah I could potentially find a fold (still not easy to actually click fold even when we know it's probably right).

HU against the whale, not a chance am I folding this.

EV calculations, I'm really not very good at in terms of doing things properly, I'm lazy and don't like hard work. I tend to estimate, and I'm fortunate that I'm naturally gifted at maths so I generally make good enough estimates.

My 28.2% equity that we have comes from the fact we have 13 outs from 46 cards... 13/46 is 0.282... this assume we always win when we improve, and never win when we don't, which I'm mostly comfortable with. Very occasionally we'll hit a king vs AK, I can see the passive guy calling AKo pre with his 3bet stat. But that's so rare it's practically negligible.

At the table I'd likely estimate that if I'm behind(which is almost certainly), I need between 25-30%, and my equity is within that range, at which point I've tanked enough and I make the call.