Surrender rule question

so i was playing at a local spot yesterday and i got dealt a 16 against the dealer’s 10, classic nightmare, right? i went for surrender because, you know, “sometimes losing less is a win” is my personal blackjack wisdom and the dealer looked like i just asked for a side of fries with my cards. said they only do early surrender, not late. now, i’ve been in enough casinos to know the difference but i swear most places i play just say “no surrender” or “surrender after peek” and move on. i always thought “late surrender” was the one more common in the US, but now i’m wondering if house rules are just all over the place.

so now i’m thinking - do most of you guys even check surrender rules before you sit down or do you just ask when the moment comes? i always assume, which might explain why i keep ordering fries at weird moments. anyone had weird or unexpected surrender situations? ever seen both options at the same casino?