MOST thinking villains will not jam the river on a paired board unless they're HOPING you have trips.

Hero's river bet reps trips, so villain should call w/ trips, raise with anything that beats trips, and fold anything that doesn't. Micro-stakes villains tend to call wide OTR, to catch bluffs. In my experience, the only ones who jam light OTR have so many other leaks that they're easy to spot as "non-thinking" players.

Unless you have evidence otherwise on a Villain, I'd go with this.

Not losing $0.81 is as good as winning $0.81.