I went with Number 3 - I have recently started to get some of my nicer (for me) cards graded for protection (actual and insurance) and, in the context of buying cards, there are very few dealers, with whom I have dealt with for years, whose descriptions of raw cards I trust. I also don't get in a tizzy if a card I send to SGC comes back lower than I had it "graded" in my mind.
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