[quote=@Cardamonelaw]
<Snipped quote by The Grey Dust>

LOL, not going to make IC choices based on what will net my character the most Exp and Loot. :D
[/quote]
Actually, making in-character choices based on what experiences you gain and what equipment / money you would acquire is perfectly acceptable and normal. Heck, that's how we make nearly all of our choices in real life. In D&D, your character trades their safety for money and gear, as well as new experiences, translating to learning new ways or means to reach your goals.

I just know if I spent several hours as a DM creating a dungeon, and a single player decides to not even entertain the thought of entering it, I might entertain the thought of not having them participate in the future. It's frankly a tad rude to the DM and your fellow players. You're essentially saying, "Sorry, your hook wasn't good enough for me. I'd rather do nothing than participate." If the group said that, that's another matter entirely.