First of all, thanks to everyone who offered suggestions. A lot of good thoughts.

Second, it was interesting to see that there was no real consensus of what was the "right" play. Makes me feel a little better that I was unsure. Since I really do understand that gambling involves risk at all times, I also understand that there may not have been "right" play.

Finally, I'd prefer to not face this exact situation again - but I'm sure I will.

Thanks to everyone.