I would say that since you are putting this much thought into it and posting here asking, go for it.
There have been a few rarities I've missed on by waffling over the purchase despite having the cash on hand and ready. I don't regret missing them since something else has always come up to make me quickly forget, but there are a few pieces in my collection that I will have for a very long time that I don't regret paying for, and would be disappointed if I didn't own.
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