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After asking around a few places (and getting pretty much nothing) here's what I've got Cashing out is pretty much a no-go unless you're super short stacked, in which case you should cash out as much as you can (to get the cashout) whilst leaving enough to play one more hand and take the next bust (if you've made the money) If you're not going to make the money (i.e crippled) then you may as well take as much as you can get. (this can work well when you have 4-8bb and the big blind is equal to the starting stack, as it will mean that you will get half a buy in for every bb you sacrifice, but its better than busting and getting nothing.
As far as i can tell once you reach the final table, everyone get paid their % of the cashout and gets to keep the chips, but I'm not 100% on that bit
I haven't ad a chance to play one yet, bu for someone like me with a 6 week old, they could be handy if i think i might get a chance to play a tourney, but then get interrupted mid game.
hope that helps
edit: also your chips are only worth half, so if you start with 1500 chips and its a $20+2, then you only get $10 for every 1500 chips you cash out
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