I have used loupes for many years. I have an 8x and 10x and there isnt that much of a significant difference. One handy tip is when you place the loupe the 'correct' way you have to actually place the loupe on the surface of the card for focus. I always use it the inverted way, where the focal point is off the card. Not only does this keep any possible harm from touching the card, it lets in more light.
Another obvious rule of thumb for a loupe...use it when buying, lose it when selling.
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