N172 and it is not even close.
T206 is not very hard to complete. Every card in the set is easy to find (even Wagner, there are several available every year) except for the Doyle variation. There is 1 difficult card, the rest of the set is pretty much available to purchase at any time. One only needs to be rich to have a T206 set -Doyle if they really want one. Doyle has several copies out there, but is the clear limiting card.
N172 is truly difficult, even if someone as rich as Elon decided to go for it he'd have a hard time; there are so many extremely rare poses that acquiring them all would be exceptionally difficult and impressive regardless of how much cash one threw at it.
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