DEAL or NO DEAL (TV Game Show) How Decide?

[NickNick]

Bankers offer is always -EV.

The time to deal is only really when the amount becomes significant to you.

How does that paradigm (3 doors, pick 1, shown one of the ones thats a booby prize, switch, etc) work here?

If you are left with $20,000 and $50,000 there was a 1/20 chance you picked the $20,000 and so 19/20 chance that its in the other box.....likwise with numbers reversed. Do you switch?

Or does this not apply here because it wasn't a win/lose situation?