Backing into the money: bad idea MTT, but how about STT?

[youtalkfunny]

I've always figured that it's better to go down in flames on the bubble in an effort to get chips and make a run at winning, than going into my shell to lock up a tiny profit, and shortstack myself into very little chance of earning more than that.

That logic is apparent in a MTT, where "just cashing" is only worth about 1/100th of "winning the whole thing".

But in a STT with a 50/30/20 split, I'm starting to think that 20% shouldn't be treated as casually as 1% in a MTT.

Anyone have any thoughts on this?

Sorry if it's been discussed before.