Because I've only had a few conversations with other people about it I consider my view to be mostly anecdotal, but even with badly yellowed Card Savers and toploaders the penny sleeve inside them was 100% clean and protective of the card.
I know there's a sizable camp of people that view a penny sleeve as unnecessary in a Card Saver and even some that view it unnecessary in a toploader, but since I started replacing yellowing CSav/toploader in the late-90s into the 2000s I don't mind the extra plastic.
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