I agree with you on several levels. I have a few graded cards, but I've cracked a few too. I'm putting together a nice set of 1964 (hockey) tall boys. If I buy a graded card, I crack it. Way too much plastic on the tall boys.
However, the point about having your heirs sell things is where I am at. I am leaning to get more of my higher end items graded, both for protection and so my daughters can maximize any return... which I hope is not for many years yet.
