On most sets, I agree with Steve that the last two options together are a good approach. I have completed many sets and that is the approach I have used. However, I am 25 HI #cards short of completing a PSA 5+ 52 Topps set. Because of the cost of these mostly commons, saving enough funds to afford these cards cause me to be patient and wait. In addition to waiting for affordable copies of the remaining cards to show up, my patience is at it's peak.
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