I am not a set collector, but in addition to the posts above talking about the enjoyment of putting together a set, there is also the issue of the total amount of money in a single transaction.
There are a lot more people whose budget allows them to buy a card/handful of cards here and there without going into the red on their bills that month than there are people whose budget allows them to spend what it takes to buy everything at once, even if it does come at a bit of a discount.
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