Hi Bill. Having limited cash and an unlimited interest in all things T206, I decided early on to settle for lower quality cards for most of the set, but I would try for higher grades for the important cards. So for example many of my commons are fair to good, but the Cobbs are Psa 4 or 5.
I don't plan to upgrade, because with this set there is always some new challenge- Rare backs, back runs for a specific player or group of players, etc.
With this set, completing the set is only the beginning. So I'm content to settle for lower grades for what I consider the less important cards.
Good luck however you decide to collect.
