Is It A Bad Idea To Build A Type Set Of Large Size Notes In Fine?

Collect what you like and like what you collect...and can afford.
As long as the note has good eye appeal I would not worry too much about the grade.
Few can afford CU type sets so there will always be a good market for nice looking circulated notes.

Pretty punny KenKat!

And fantastic looking notes barryg

Or USS New York. Depends on who you ask.

Whoever came up with the names of grades for paper money must have been a salesman.

GOOD (4 and 6) is the lowest grade at PMG, followed by VERY GOOD (8 and 10), so FINE (12 and 15) is certainly a stretch, at least to me it is. If you've seen any of my posts, you'll know I HATE problem notes, at any price, except rare or hard to find Nationals. I looked at @barryg's notes, and personally and respectfully, I don't have some of them, but I wouldn't want any of them in that condition or with the distractions. Please keep in mind that this is just my opinion. I'm a big believer in owning notes with great eye appeal and original paper. Notes free of stains, tears, heavy fold marks especially through the portrait, and generally dirty paper.

I do not want to buy and own a note just to say I have an example. I want to be proud of my collection and show it to everyone without having to discount the problems and distractions. Unless the note was handed down through your family, or from a former past famous collection, I have no idea how it will tell a story. Sounds romantic but none of my notes have spoken to me lately. Be patient and save, and then save some more, and research, and hunt and buy a note you are proud to add to your collection.

Steve I bet some of the circulated notes in your collection have some incredible stories about the places they have named on them :) Course you need to ask nicely if you want them to talk to you.

We all collect in our own way and for our own reasons.

Thanks for all the feedback and the ship lesson haha. Barry, you have some pretty nice notes

When I was your age I collected quantity over quality.

Thirty plus years later I am regretting that choice. I am thinning out the collection due to space considerations and changes in collecting taste. I have a pile of stuff that is going to be difficult to move because it is low grade and there is so much of it.

You have a long collecting horizon. Based on you current budget you will continue to encounter the notes you want. Don't be in a hurry to get something because you think you may not have a chance again.

Look for the good note at a good price.

Just be sure to study the price increments by grade for any note you're looking for - often a VF doesn't run much more than a Fine. And - never buy a note just to "own an example". You'll regret it in no time.