"you could never sell or trade it" -- this, to me, is a key stipulation.
Personally, I believe the T204 Ramly Wajo, the D322 Tip Top Wagner, the 1907 Diestche Cobb fielding, and the 1925 Exhibits Gehrig are all very undervalued and poised to take off (the E90-1 Jackson would have made this list too, but that seems to be moving up lately). So, if I could sell or trade (i.e., invest), I would get the best looking/highest grade of one of these 4.
However, I cannot sell or trade, so its a keeper card. Under those circumstances, as a collector item, I personally would either buy (i) the best D322 Wagner I could, or (ii) the best T206 Plank. The Wagner because it is the closest thing there is to the T206 Wagner, which is the ultimate card. The Plank because its rare, awesome, and tied to the T206 Wagner (by set and perhaps reason for rarity).
I recently bought this D322 Wagner for $80k and bought this Plank for around $80k back in like 2018-19 (I expect its worth a lot more than $100k now)
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