The last few years as my finances improved, I buy full sets or near full sets in collector grade. I usually pick up one or two a year and if they are missing a few cards, I fill them out. Works fine for me. I know I'll never spend a ton of money on grading fees, but on the other hand, I know I'll never spend a ton of money on grading fees.
For several years I have been in the process of finishing a 1961 Topps sets. The common high numbers are expensive and painful. I could have bought two complete sets for what I've spent putting together this one one card at a time.
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