At what point are you priced in?

[defence18]

I am constantly put in situations in .25/.50 limit where there are say 4 limpers in and I'm in the small blind with T7 off. At that point, I'm getting better than 16:1. I suspect this is an automatic call. What about when there are two limpers, and I'm getting 10:1. What is the cutoff in a multiway pot where you simply cannot fold?