Man, that would be pretty sad if that happened to any of us
I know how much my collection means to me and I'm sure most of the people here feel the same. But if something unfortunate happened like a fire or theft, I think I would start from the top down meaning I would buy a few cards that otherwise I probably wouldn't be able to afford unless I sold off most of my collection. I would go after a nice '51 and '52 Mantle, a few Ruths in ex-ish condition. I would go after other stuff as well, but I'd have to think about what exactly I would want.
I would definitely continue to collect because I love the hobby too much not to.
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