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Of course you would take the money.
The idea is that the snail is relentless, and always coming after you, so that you couldn't enjoy the money completely - the worry would always gnaw at you.
If you live in Maine, take the money and move to California, it would take about 10.25 years for the snail to find you, assuming a distance of about 4300 kilometres at an average snail speed of 0.048kh/h. When you finally see the snail coming at you in the California sun, just buy yourself another 10 years and move back to Maine. Or Florida, or ...
PS
Snails are really cool. This past summer I made a hyperlapse of one I found in my backyard, just taking its sweet time through the grass, stopping once in a while to look around, etc... they look really alien up close. CUTE!!
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