Its worth remembering that, at this point, this is only a civil suit, so among other things, silence can actually be used against you (adverse interference).
Personally, one of criteria I would use to determine whether or not to take the 5th would depend on the general position of the public towards me. If the public generally thinks I am guilty before I've testified and they are generally taking in evidence and arriving at the conclusion that I'm guilty without truly considering the existing evidence, it'd would be stupid for me to testify.
I don't think there is a soul here that hasn't at least once had experiences where every one of their actions were viewed as having malicious intent by the peanut gallery. Once you experience such injustices firsthand as the accused, you learn empathy for others in similar circumstances quite quickly.