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I did this way is it correct ?

We already know that there are 20 ways to select subset of 3 so to include all subset with F i have subtracted the one's which does not include F from 20 so my equation 20 - 5C3 (After excluding F i will be left with 5 letter n i have to select 3 subsets) .
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Why would we even have to add any of those formulas, esp. in the response above?

3/6 = 0.5 -> each letter is in the selection 50% of the time -> 20/2 = 10
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