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Why not 4 cards to improve?
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In the game I play, after the first four cards you get three more, making seven total.
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At any rate, I still think I call 4th. Part of it is still that in that game I don't see people limp small (split) pairs often; if they have small pair good kicker they'll raise if anything. But more importantly, I think your implied odds are really good when you do boat (unless you follow periton's thinking and put one of them on quads
). And I don't think one of them folding ruins your odds. Nor do you have to call later if things get uglier (for instance, if the fives check and the fours bet on 5th, I might fold due to it increasing the likelihood that the fours have trips AND possibility of checkraise - then again I might decide to call again).
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Do you always pay off players when they pair their door?
I don't think your implied odds are that good if you hit the Ace. I suppose the Nine has good implied odds, but still. What hand does 44 have after calling a double bet from 55 that is not trips? Unless I have a read on him as somewhat retarded...