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I owe 5 million due to rent and I have only a full property set.

Do I have to break the full set to pay or do I keep the property set and pay nothing?

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TL;DR - Yes you will have to break a full set.

Looking at the rules here regarding payment of rent it says

If you have no cards in front of you to pay with, you don't pay at all.

So, if you are able to pay the rent you must do. As you have a full set in front of you, you have cards. Therefore you must pay.

There is nothing in the rules that says once you have a set it is 'safe' somehow and can not be broken.

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    Absolutely correct, the confusion might stem from the fact that complete sets are "safe" from cards like Sly Deal and Forced Deal. Other players can't make you break a set with these cards, but they can force you to do it yourself if you have no other way of paying a debt. Apr 13 '20 at 19:39

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