I do both. I work on sets that I think are interesting one card at a time but will buy complete sets if the opportunity presents itself, I can afford it, and I am not at least half way to completing it. If in the end your goal is to have complete sets, it is often a cheaper route to buy sets than building them one card at a time but agree it's not as fun.
I always work on multiple sets at a time so I don't get impatient/frustrated and start overpaying for the cards I still need. I've been focused on "completing" my vintage football for about 5 years now but have recently gotten bored with it since there are so few cards left to acquire so I've been slowly transitioning over to work on my vintage baseball collection.
Jeff
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