A $10NL unknown is generally thinking "I have good cards - I bet", "I have a draw - I call" or "I have nothing - I fold" (or maybe "I have nothing - I call", heh). I think you're overthinking things here.
Yeah if we were villain and we had a strong hand we would probably CRAI here given stacks because we would be giving our opponents good odds
on a call (assuming a ~3/4 pot c-bet) and forcing calls with hands like KK and QQ and perhaps worse while not losing value from many worse Ax hands that are getting it in anyway with shallow stacks.
But we're not villain - villain is a $10NL unknown and without specific reads we revert to default - that is that villain is more likely to be thinking "ME HAS GOOT HAND ME BET" than anything to do with fold equity, pot odds
and maximising value.
Don't get me wrong, there is a chance this is a bluff as there always is when faced with a big bet, but it's not nearly likely enough to justify calling an overbet here.