You should regularly take the +EV situations in normal online MTT's, as you need to accumulate chips as quickly as possible, and doubling up through a 13-to-10 coinflip is often the very best you will be getting. Even taking the 10-to-13 end is often acceptable, and if your M is dwindling its not even a question. Unless the format of the MTT has much much deeper stacks and longer time limits which allow for more play, then you can theoretically give up on some marginal situations. As for queens vs one overcard, that was already explained.