I'm never folding a set OTF. Partly 'cause Bovada = no long term stats. It would take a huge history with someone to convince me that they had a move that they only did when they had a set or better, and then I'd have to have the baby set to find a fold.

On mono flops, that's always a draw-heavy board. So I'd bet PSB or more and throw in c/r's when I thought Villain would spew a lot if checked to.