The probability of three matching is 1/216. The probability of two matching is 3*5/216. The probability of one matching is 25*5/216. The probability of 0 matching is 5*5*5/216. So the expected return is 3*(1/216)+2*(15/216)+1*(75/216)-1*(125/216)=-17/216=-7.87%. There is no optimal number of bets, you will give up an expected 7.87% of total money bet no matter what you do.
These bets can be made in both sic bo and chuck a luck.