Speaking as a player collector, at least on the PSA master set lists, both the individual stamp and the panels are required pieces, so we usually end up trying to get both. As you noted, the panels tend to be harder to find.
At the same time, the good news is that these pieces tend to be under-loved by collectors, so the prices aren’t as strong as with many of the mainline items, even in the higher grades. Although the very highest grades can get a little more expensive!
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