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Jason Lfrom time to time, I become fascinated or driven to try to assemble a set, but as you cite, the irritation of having to spend money on cards you would otherwise not want eventually eats away at me and I become disenchanted with set collecting again...
The freedom of choose your own cards is appealing when colecting type cards of particular players...
I found that the best of both worlds was going after team sets of my beloved Cubbies,...that way, I want most of the cards, it's usually achievable in terms of value and the sets aren't so large that I become discouraged too quickly...