Do you make this deal in heads up tourney?

[snowbank]

Final table of heads up tourney- $1228 left in prize pool. He asks to chop, which would have been $614 a piece. I say I am the favorite so I want more. He offers $650 I ask for $675 he says no. Would you have taken $650?

A few minutes later when support got there so we could talk it over I had build a chip lead: I had like 125,000 he had about 70,000. He offered $675 and I said I needed more. Would you have taken this one? Pretend you are a favorite with this chip lead, how do you calculate if the chop is worth it?