Solo-Mining with usual hardware is no good idea in my opinion. It could take many days until you find a block and so it is perhaps very frustrating. If you mine on the pool you get coins continuously depending on the power (hashrate/shares) of your hardware. If you mine on cluster you try to find a block together with other poeple. But only one of the people will get the full 120 coins if cluster finds a block. So it is a little bit more type of luck how often you get the 120 coins. Try cluster and pool for a few days and then you can decide which is best solution for you.