I'm a set collector and a big fan of the 33 Goudey's, so I think that set would be a worthy goal for you. And right now the pricing on Goudey's is really good, so other than the Ruth's, you can get a good deal for most cards. The Lajoie will still be out of reach, however.
One other idea that I've come across recently is to try to build sets around specific cards that I really like. For example, I'm a big fan of the E103 Wagner, E98 Cy Young, and E93/94 Cobb. These can be expensive cards. However, many of the rest of the set isn't that bad, so I'd like to obtain one of these cards some day. Along the way I've been looking to pick up the rest of the set if the price looks particularly appealing.
For that reason, I think you should avoid T205 if you don't like the look. I'm a firm believer that you should collect cards that you love looking at. When you're bored, you just feel like taking out your collection and looking at the cards. That's the best.
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