I don't have a problem paying $100 for a card knowing that it's probably not worth that to the next collector. I live in WA State, but I'm a Reds collector. Not many other Reds collectors around here, so I just can't liquidate easily. So for a card that is intrinsically valued at $0, I'd pay up to $100. Anything over $100 has to have liquidation value.
Caveat, the intrinsic value must hold a cool factor in my eyes, or some sort of desirability. It needs to be old, or rare, or a Reds collectible. The envelope below is a good example. It's pre-1900, cool and rare. I paid $25. Not sure how many local collectors would be willing to $25 for an envelope that has neither team nor individual player mentioned. 
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Barry Larkin, Joey Votto, Tris Speaker, 1930-45 Cincinnati Reds, T206 Cincinnati
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