[albinoskunk]

you're not 35% likely to win when called. Closer to 20%.

Minimum buyin of 20BB, push called 4% of the time. When called, you are 25% to win. Pot is 2.5BB (including limper, who folds some percent of the time (assuming 100). review the concept of first-in-vigorish).

Now do the math.