My opinion is it depends on the card. I've submitted a lot of cards and have gotten to the point where I am accurate the majority of the time with my misses mixing between low and high. On the few I miss greatly on, it's almost always a micro wrinkle or a surface flaw that looks like one. I always crack them, but then, based on what I see, I try to determine if it's worth trying again or just selling raw. If it's high $, I almost always resubmit unless it's a really obvious flaw that I clearly missed.
I will say I use a loupe, but most of the flaws I'm referring to can't be seen with a loupe and are better seen by reflecting light off the surface either with the naked eye or reading glasses. From my experience there's a fine line between normal surface qualities and a wrinkle.
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