if you have a set (no matter 3 red or mixed) in 1v1, cash it immediately.
if you have a set (no matter 3 red or mixed) in a 3+ player game, cash it when you have 5 cards.

Many of you have endorsed this rule of thumb. Could someone explain the logic behind it? Suppose I'm in a four player game ...

I've been thinking about when its worthwhile to delay turning in spoils in a flat-rate game, and I'd appreciate comments by more experienced players. I'm thinking that, aside from a few exceptions, you should cash a set of spoils whenever you have that option.

Scenario #1: You have 3 red spoils ...