At current difficulty you'd only find 0.385 blocks per day @0.1MH/s, or an average of about 2.6 days per block. That's far too long IMHO.

My very broad rule of thumb is that if difficulty is higher than the MH/s I have available, it's better to use a pool. At difficulty = MH/s you'll find about 1.5 blocks per hour. So in your case, unless difficulty is lower than 0.1, stick with pool mining.