I don't really have any comments on the thought process of the hand. However, reading through your post, I got the feeling that you knew he had a set of tens and talked yourself into expanding his possible holdings into king ten and ace queen. If you have good instincts, the best advice is to trust them. Sometimes your subconscious picks up on something and you just know you are beat or ahead. So in this case, if you "knew" he had the tens, I advocate making a tough fold. If you really thought king-ten or worse was a strong possibility, then its tough to get away from the set.
set over set