I would disagree on the all-in. If you are an underdog (to AA, AK, A9, A5, 99, or 55, for example) you are getting all of your money in in a BAD position. If you are the favorite, what hands is he going to call with?

So, going all-in wins you the pot now only if you are already ahead, and puts all of your chips in jeopardy if you are behind.

I think it is close between calling and folding here. One of the previous posters mentioned calling and dumping the hand if the third club shows up, which I think makes some sense. Personally, I probably dump this hand.