TUP - your posts outline sort of what I was thinking about as the only other way of playing it. Thanks for working through some of the numbers and giving your thoughts. Very helpful stuff.
In general, what you're saying is this: if you can put somebody on a flush draw, you may do better to let the turn card hit and only then try to push them off their draw if the 3rd flush card doesn't come. Plus you can fold if it does come, saving some $$.
Do you think this is a good rule in general? "Always bet and call a raise -- but don't go all-in -- even with the nuts on the flop, if there's a flush draw out that will beat you if it hits." Or is this play dependent on this being a 3-way pot so that the flush chaser has odds to chase?
One other problem. I can't fold to a K or a T without also folding to a J. But a J doesn't actually beat me in this hand! That's annoying. I count 8 hearts (I have 1), 2 Ts, 2 Ks, and 3 Js (can't count the twice) that will make me feel like my hand may be no good on the turn -- that's 15 total scare cards. But only 12 of them actually beat me. Can I definitely check/fold if the board pairs on the turn? I'm not sure I can.