I like both options. As the OP mention each have pros & cons.
Aftermarket is great for more vintage autos or 90s. Get the autos on the cards that you personally like.
Topps or other companies w/cert. autos are great for modern (~2010-present) because saves time from trying to get IP autos and some cards looks nice and rather cheap. Even those the risk is much lower of fakes certs, the penmanship is awful and much harder get PSA if done IP.
The hobby sadly, whether it's getting TTM or IP access is much different today than even just 5-10 years ago.
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