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Match Cube/Answer

It's a take.  The take point is 32 percent...that's what Red's winning chances are if he drops the cube, so if he can win this game over 32 percent, he should take.  As you can see, he wins 37 percent.  MANY PEOPLE drop this cube either because they don't understand the take point at this score or because they don't realize that Red wins as much as he does. 

Take points and match equity you can learn simply by study and memorization.  But estimating wins over the board takes experience and skill, but even there, there are some strategies, rules of thumb, reference positions, and short cuts that, if you learn them, will help you make these estimates and the right decisions.