If he has me beat it's with QJ or a set of 5's.

I find a fold hard here, but may be the best option... He could easily do that with AQ or AJ, thinking that you are betting a weaker hand.

I would hate to fold and hate to call... So I call and call his river bet and loose it all. I don't raise it here, because he doesn't fold a hand that i beat, but may bet AQ or AJ on the river.