What I think about sites like that is:
1) They are pretty close to being scrapers
2) Pages have a toolbar PR of 0 or 1, and are pretty bad on other metrics BUT some of the sites are strong. I am inclined to think they pass negligible page rank, and any other benefits they may have are discounted or diluted as well.
So why not disavow them? The hesitation in the case of the site I mentioned above is because it is a an strong site with an Alexa rank of less than 6,000
That brings me back to a principle ColourOfSpring suggested in this thread [webmasterworld.com]: if its not clicked on its a bad link. Well I have had a tiny number of visits from that site, and the page with the 190,000 links pointing at it has had one visit with that site as the referrer in the last eight months. Now those ARE links no one ever clicks on.