Ah, thanks for the explanation, sweeps.
I admit I am on the bearish side as well, but I do try to be rational and look at the numbers first. If the odds are good enough, I'll play it! Wouldn't make sense not to.
In your classic scenario though, I would have chosen A for both, but only because the numbers doesn't show any incentive to risk it. Individual risk is too high, and group strategy would only break even.