ERAs
Since I have used the SCD Catalog as my want list and checklist for Topps and Fleer, which is what I collect, and since it uses 1980 as a cut off, like Bob, that is what I used for my first divider
Up until 1994 I collected every set or card or insert or test set listed for Topps in SCD. Because of the huge proliferation of products for Topps starting in 1994, I then cut back to just the main sets and any updates. I later expanded to include Heritage sets as well. So for just me personally, 1994 became my second cut off date
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