Challenge the pazaak player

|| TARIS: UPPER CITY CANTINA, PAZAAK ROOM ||

The man's name is Niklos, and he is eager to play against you. "I'm going to enjoy relieving you of your credits almost as much as I'm going to enjoy humiliating you," he sneers with a laugh.

You begin the match, though you quickly realize Niklos is an experienced player. You lose the first set roundly, but manage to tie with your opponent in the second. You each win a victory in the next two sets, meaning the final round has everything to play for.

After a couple of turns, you draw a +5 card: Your sum total is now at 17; you need a +3 to reach the desired total of 20 to win, but the chances are slim, and you have no cards in your hand to help you. Niklos is currently on 16, but could easily pull out a trick to reach 20. Christya hovers nearby, watching you both intently with her hands clasped to her chest. What will you do?