it really depends for me. I prefer my higher dollar cards to be graded so they are ready to sell if I decide to. It bugs me a little when I peruse my babe ruth/ty cobb collection and 95% of them are graded and fit all nice in their storage box...then there are some raw cards that either noone will grade or I havent bothered/wanted to pay the price...and sometimes the top loaders stick to the slabs and i freak out thinking I lost them!!
Then I have binders full of cards from early 20th c-present that I prefer being able to handle and would likely never get sold or would be sold raw.
thats my preference
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