As far as making the tourney goes, here's how I see it.
$1-$1,000: Definitely go for the $100K. Umless, you need something that bad for that much money, then just say "The heck with it, I'm gonna go for it!".
$1,001-$2,000: Borderline here. If you think you know where you stand as far as qualifying scores go, by all means, go for it. Otherwise, take the money & run!
> $2,000: Take that cash. That to me is too much to risk(even though one player is risking $2,700 I think).