Nicely put, Gary. I agree wholeheartedly. Of course, while what you are suggesting makes perfect sense, it also requires a fair bit of intellectual honesty on the part of a collector in admitting that one really does not have the ability to pee in the tall weeds with the big dogs. Not an easy thing to admit. That realization all but drove me out of vintage baseball card collecting some years ago when I realized that many cards on my want list were simply beyond my reach. A nice side effect of what you propose never having to wait around all night looking for auctions to close. Just put in the limit and STICK WITH IT.
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