Don't ever call a 3-bet looking to setmine when the call is going to be for 10% of your stack. It is such a horrible play . . . they always seem to get me with it though . . .
The reason for not doing so is that even if you hit your set you might not get paid off, in which case you are just burning money. I mean for example, you raise 33 from MP and I 3-bet from the button with 75s. You call and flop your set, however you are never going to get paid off unless you cooler me. So for all the times I'm not getting coolered you lose money, and not just a little bit but 10% of your stack.
The general rule of thumb is that you can profitably setmine in 3-bet pots when your opponent has 20x the bet left behind. So if you have to call 1$ to see the flop you should only do so when they have 20$ or more left behind. These greater implied odds
make it profitable because when you do get paid off it is for twice as much as you would get by calling with your current strategy and thus meaning you only have to hit your set and get paid off half as many times.
Edit - That mofo Cafeman beat me to it