[Luke]

One thing to think of is what is your history with making decisions. If you struggle with making choices and often find yourself thinking too long and missing out on an opportunity, then this would be my suggestion:

When I buy a big card, there is always a component to it of "Do I think I could sell this for about what I am paying if something happened and I needed the money?" I think that's a good question to ask yourself. If the answer is yes, and you really want the card, I don't see any reason not to buy it.

If however, you tend to make quick decisions (and be happy with them afterwards) then maybe you should listen to your gut and be cautious. Maybe the price is too high and know it would be tough to sell it if you had to. Or maybe the seller wasn't pleasant and somewhere inside you know that would impact your enjoyment of the card, etc.