I would say your calling requirements are not necessarily to tight but 10 3 offsuite is a stretch.

Blinds are 15/30, you have 40 BBs, and you're thinking of getting all your chips in all ready? Ehhhhh, what?

Oh, just looked at the opponents stack sizes, lol. No I still don't call. Save your 135. It's drastically -cEV when the bubble is approaching.

There's 260 in the pot and you have to call 120 more (so you're getting 2.16 to 1 on your money)

Let's say your opponents have:

AQ offsuit
77

With 10/3 offsuit you're only about 18% against their hands in that spot. But, you also have to take into consideration that both opponents do not have the same stack size. As such, if you just put your hand against them each individually:

You're about 32% against the AQ and 29% against the pocket 7's (in each instance I had the 7's match up with your suits and the AQ did not)

I think it's an easy call because you have the opportunity to increase your chances of knocking one more player out of contention (two hands are better than one anyway)

The problem is, the two chip leaders are well ahead of you, and only two places pay. Even if you do win this hand and knock both players out, you don't gain many chips and are on the money bubble where you can get pushed around by the chip leaders (or, perhaps you can do some pushing yourself, since they obviously won't want to double you up and risk losing their significant lead)

I think I'd make the call myself. Even if you lose, you still have plenty of chips with blinds at 15/30

instafold. I probably call with any pocket pair any paint, some Ax's and some suited connectors.

Fold.

If you call and win it barely makes a difference, if you call and lose you treble up someone who is now right back in it. Leave them to fight it themselves, one of them is either getting knocked out or crippled.