Welcome Mark.
When it comes to collecting t206's in low grade why not just collect them raw? You said about PSA not being as good at grading 206's as SGC but in the 20-40 range it doesn't really matter. The problems come in the higher grades where it can be a pile of money involved in one grade difference.
Why not put them in an album of tobacco pages or tobacco sized top loaders? If you ever get to 520 cards all graded by SGC those cards might weigh 40lbs and take up a lot of room.(Does anyone know how much 520 SGC holders weigh? 40lbs is just a guess)
Anyhow, you'll have fun.
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