I think it depends on the sets for value. In likely 99% or more of the sets, it's probably better to sell the individual cards than the set as a whole. There are some sets that I believe would sell at a premium due to scarcity. I doubt there are many vintage sets and likely even less modern sets but I think if a person had a t205, t206 (with or without some or all of the big 4) and maybe a handful of others, they would likely command a premium since they just don't come to market that often.
It will be very interesting to see the t206-520 that is being sold at one of the major auction houses in a week or two. My guess is it commands a 10-20% premium (if not more) to the average resale value of each card. We'll see how it goes, though!
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