5-5-5 = UGH

Stupid sets. I guess i just don't know how to play them. Here is another hand with a flopped set, and with an opponent AI on the flop, i froze up. Am i making this call?

PokerStars Game #*********: Hold'em No Limit ($0.50/$1.00) - 2006/11/22 - 10:31:08 (ET)
Table 'Maia II' 9-max Seat #4 is the button
Seat 1: VI-Popsmak ($141.10 in chips)
Seat 2: JAY50N ($79.70 in chips)
Seat 3: kingnat ($127.90 in chips)
Seat 4: Jaggermeistr ($23.90 in chips)
Seat 5: boiler1989 ($39.40 in chips)
Seat 6: alegal ($368.95 in chips)
Seat 7: Louthie ($225.95 in chips)
Seat 8: redargoe ($144.35 in chips)
Seat 9: TheHOOS ($72.15 in chips)
boiler1989: posts small blind $0.50
alegal: posts big blind $1
*** HOLE CARDS ***
Dealt to VI-Popsmak [5s 5d]
Louthie: calls $1
redargoe: folds
TheHOOS: raises $2 to $3
VI-Popsmak: calls $3
JAY50N: calls $3
kingnat: folds
Jaggermeistr: folds
boiler1989: folds
alegal: folds
Louthie: calls $2
*** FLOP *** [6d 4h 5h]
Louthie: bets $12
TheHOOS: calls $12
VI-Popsmak: raises $22 to $34
JAY50N: folds
Louthie: raises $188.95 to $222.95 and is all-in
TheHOOS: folds
VI-Popsmak: ?

Call all day. His line says overpair, probably AA/KK. If he has a straight or a higher set say nh sir.

If you're scared of getting stacked then move down in stakes.

Louthie is a total nit so he definately has a set or a straight here. I would probably gamble here and hope he has 44, but I wouldn't mind a fold either against him.