Years ago I had purchased 20 T206 cards in early GAI holders for very reasonable prices ranging from 2.5 to 7 on their grading scale.
I decided a couple of years ago to get them all in SGC holders, but I cracked them all out and submitted them raw.
Fortunately every card received a numerical grade from SGC.
Four received grades higher than their GAI grade.
Four received the same grade as their GAI grade.
Twelve received a lower grade from SGC, with three receiving a grade 2.5 lower.
Overall the group lost 13 grade points or .65 grade points/card.
I have since moved 10 of the cards, one of the no change cards and 9 of the cards with grade reductions. In SGC holders the ten cards have sold for an average of
$40 per card more than my purchase price. Two of the sales were aided by having rarer backs that had escalated in price, but only 3 of the 10 resulted in losses.
I have kept the other ten cards from the ex-GAI group. They would appear to realize similar gains if and when they are sold. Overall I am pleased with the results. Had they been submitted in the GAI holders as a crossover submission would I have received 4 grade bumps in the right direction. I'll never know.
I have never played the crossover game with PSA. I am a collector and not a flipper or dealer. Buying at the right price, considering the condition of the card and the grade and the XYZ letters on the slab, has served me well when I sell due to upgrading my collection.