Diane, I just realized that this example doesn't really contain anything that would suggest a Bad Judgment. If the hero felt it was a necessary sacrifice, and isn't left with regret or angst, it's probably just a high Cost rather than a Bad Judgment (e.g. Braveheart).
On the other hand, if the hero's personal issues were say about never being able to spend enough time with his family, and during the whole kidnapping case he keeps phoning home, apologizing for not being there, promising he'll make his kid's birthday party, but then doesn't make it because he sacrifices himself ... that could definitely be a Personal Tragedy.
Although I was asserting in my previous post that you can usually sense the Judgment directly, the real objective test is whether the MC resolved their personal problems.