Regarding OP's question about calling with 10-1 odds :

I used to go by the 10-1 rule. Problem is, many times 10-1 just doesn't cut it since

-flop is too scary even when you flop your set (i.e. Q-Q-J)
-overcards hit (i.e. you have 77 on board of 7-10-A vs villain's KK)
-set over set happens... and since when it does it usually means you lose 100BB's you have to take this into consideration and give yourself significantly better preflop implied odds to compensate for this. When I was starting to play nl 100 I lost set over set 5 out of 7 times I flopped a set. Obv this is the exception but you see my point...

So even when you hit your 1 in 8 ish set, you have to take in to account these other factors that hurt your action when you do. So your implied odds are always that big. 10-1 is the absolute limit imo. When I'm getting 12-1 implied odds or better vs someone who's range is almost exclusively overpairs then it's an auto-call and usually a lead into raiser situation... 10-1 is cutting it really thin.