Re: is this just dumb?
 

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take the free card on the turn.

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I like... but do you raise the flop in the first place?

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no, but since he managed to dodge a threebet, looks ok...

Re: is this just dumb?
 

Yes, I see the pot is big enough to call with combined set, backdoor flush, and gutshot outs. I didn't think about the gutshot before, but still none of your outs are very clean. I agree it is a thin call, though.