I think it certainly has to be a function of replaceability. For me, the 400 T206 cards I parted with are available right now on ebay. I may not be able to technically afford a 400 individual T206 purchases on ebay at the moment - but the right budget can make it happen over a reasonable period of time.
The question does become harder when you turn to my signed card collection, for which it would be impossible for me to replace many of them regardless of money or time. Then it purely becomes a question of which item(s) I like more.
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