https://www.ebay.com/itm/NEW-PRICE-1...cAAOSwLDZeoOAz
I always buy the holder when the seller does not accurately list the card and there is the opportunity to make a no risk profit - even if it is just a small profit. This happens more often than you would think. For example, I recently purchased this 1960 Topps Hank Aaron for a mere $70.00.
Notice that the listing says it was a BVG 4. However, the holder indicates it is a 5 (and it was). I already had this card and didn’t need another one. But, couldn’t pass up the opportunity to earn some Ebay bucks and free money when I flip the card. Win-win.
To answer the main question: I’m primarily a collector and do not worry too much about the holder’s grade. My rule of thumb is to not pay more than the next grade up’s price. So, I’m willing to pay a middle of the road 5’s price for a superior looking 4. My two cents.