To be perfectly honest, the lure of a big sum of money to most people is a no-brainer - take the money. You've had 8 weeks in the house (9 by next week), if you have the chance to take some money out of it too, go for it. That's surely the prize, the reason to play the game, nobody in there is independently wealthy, there's nobody in there who couldn't do with the dosh.
I know I'd take it... there's a lot I could do with £100k+