Alan,
I don't know that I have an answer for you, but I'm in a similar situation. I am half-way into building a pre-war set that currently consists of raw, PSA, SGC, GAI and BVG graded cards. When it's all said and done I plan on keeping my set, but want them to be consistent, whether I crack out what's graded or submit and cross-over whatever is not in the holder of choice. For what it's worth, I have never spent a penny on grading.
The OC part of me would want that set to be entirely raw or entirely graded. I will make my decision when I am closer to completing the set so I can see which options are already 'most represented'.
Since I assume you don't wish to crack out what's already graded, I'd be very tempted to grade the rest if I was you.
I'm assuming you've calculated the rough cost to do this and it startled you a bit.
Can you offset that cost by buying graded cards to complete your set?
Can you offset it further by 'trading up' your raw cards to graded ones?
You can always submit a few cards at a time and grade them over time. If you're going to keep the set, there's no rush, right?
Purely out of curiousity, will you display your set or store it somehow?
Regards,
Richard.
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