1) how does the 95k stack compare to the average chip stack?

2) how close to the bubble?

3) is it a fast tourney or a slow tourney?

question 1 ... if 95k is well below average then pushing and praying is more automatic

question 2 ... right on the bubble then folding with 19 BBs is reasonable

question 3 ... if blinds raise fast or slow determines how much time 19 BBs will last. Say the blinds double to 10k/5k in the next hand (some turbos do that) then your 19 BBs just turned into 9.5 BBs