Those SMR/PSA values are shockingly pretty close, given your research into actual prices. Usually they are so far off it'll make you chuckle. I have to agree w/ the second poster, stick w/ historical prices as a reference point, and go the extra buck for a "nicer" 5!! Not all "5s" are alike, so there can be big price variations just from that.
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http://imageevent.com/derekgranger
HOF "Earliest" Collection (Ideal - Indiv): 244/342 (71.4%)
1914 T330-2 Piedmont Art Stamps......: 114/119 (95.8%)
1923 V100 Willard's Chocolate............: 177/180 (98.3%)
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