I can't argue against your points about graded cards being safer, especially when buying online. The significant cards in my sets will almost always be graded. However, the rest of the set will be ungraded and in the binder. I am actually including the graded members of the set in the binder process now. I just have to use different pages for the graded key cards. It is a reasonable compromise. If I had to sell the set, the keys are graded.
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