I basically feel the same as Ryan H above. I would definitely buy a lower grade rare card if I trusted the seller. For something like a common backed Cobb, I'd still buy it at the right price but it would center more on my level of confidence in what the graders would say. I trust myself on t206s more than any grader at PSA or SGC, but you are still at their mercy if you want to eventually sell the card.
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