Imagine a society of 3^^^3 people, first in a universe in which the dust speck thing happened to all of them, and then in one in which it didn't happen. What would we expect to see different between the societies, 1 minute, 1 day, 1 year afterward? Would there be any difference? Any new wars or suffering?
The only reasonable outcome in which the dust specks would be worse would be, admittedly, if there's a non-negligible portion of the population that, as a result of getting the dust speck while operating machinery or doing something important like surgery, ends up making some terrible mistake that causes lasting harm to someone or themselves. In that case, the outcome is "hey, some huge number of people got maimed or killed, so the torture of one is OK in comparison."
But my thought is that your line of reasoning would still be held even if all 3^^^3 people were given the dust speck when they are sitting alone in their room away from any potentially-dangerous objects. Is that the case? In that particular case I don't see what the dust speck would actually do to any person in the future (beyond a single sensory experience in the present).
And to answer your question, I wouldn't pay a penny to avoid the dust speck. Maybe I'm just particularly frugal, being a grad student at the moment.