Those SMR/PSA values are shockingly pretty close, given your research into actual prices. Usually they are so far off it'll make you chuckle. I have to agree w/ the second poster, stick w/ historical prices as a reference point, and go the extra buck for a "nicer" 5!! Not all "5s" are alike, so there can be big price variations just from that.
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http://imageevent.com/derekgranger
HOF "Earliest" Collection (Ideal - Indiv): 250/346 (72.3%)
1914 T330-2 Piedmont Art Stamps......: 116/119 (97.5%)
1923 V100 Willard's Chocolate............: 180/180 (100%)
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