Getting heavy in here again... time for another one of Kari's Party Tips?
As for the Playboy question, IMHO it's not so much the $ amount, but about her "exit strategy."
IF Kari got tired of modeling and wanted to move on to the rest of her life, and some nude project would pay enough for whatever education or investment money she needed to move on and do that... she might* consider it -- BUT IF, AND ONLY IF the fact of having appeared intentionally nude would not then create problems for her in pursuing her next career.
So it's not how much $ to take it off, but how much $ to move on successfully (if she has her head on straight--which is hard to tell surrounded by all those curves!). It's not a coincidence that so many 40-ish actresses do a nude spread in Playboy, timed with the release of their next movie... and immediately move on to producing or directing movies.
*Of course, what we've read might be absolutely true and the girl actually has some internalized standards she intends to stick to. She may come within a goosepimple of compromising them (and thank you, Kari, for ALL the cute little goosepimples you've shared so far!), but... they are her standards to interpret and modify as she sees fit.