Acquiring coins for investment (whether short, medium, or long term), as a collector, or as a dealer (typically for a quick turnaround at a profit) are different mindsets and strategies to me. I don't know which of these Rob is referring to, but whichever it is, it is relevant to him, and everyone has a value above which it is 'too much', whatever their reasons for wanting to acquire a coin. In the current climate it is tempting to pay more for high grade coins, but who knows what the future holds ...