Opting out typically only makes sense in the following cases:
(1) If you have a great deal at stake and are prepared to proceed on your own behalf,
(2) If you have reason to believe your situation or interests are significantly different from those of the bulk of the class.
(3) If you have a basis to fear that the lead plaintiffs and lead counsel for the class do not have your best interests at heart.
Before opting out, get some good advice from an experienced class action attorney and be certain your time for filing such an action has not expired under the applicable statute of limitations.