Just to be clear, any and all bets under 5 count that are $0.1 or above?
Correct, if you win on it you are good to go!
5 is included?
If you bet on under 5 and win, the number you win on won't matter

Ok, that wasn't so clear. So the multiplier must be 19.8x and say "roll under 5 to win" and it must be a winning bet to count, correct?