it depends... usually it is safe get your money in your account rather than in Google's account. Later you may sorry if they suspend your account or... who knows. btw, do you earn so much monthly?
of course it's your choice but if you get an adsense ban you will almost certainly lose all the $'s in the adsense account!
Always take it out, it doesn't earn interest ... Pluse you could possibly use that $10 to drive more traffic to your site.
LOL Adsense minimum payment is $100 so there is no need to hold payment for earnings less than 100 USD unless if you want to get a check more than 100 USD then keeping your checks on hold is a better option!