It all depends. I have a bunch of folders I collected as a kid, mostly circulation finds from a local Casino my Grandfather owned. Of course most of those coins from about 1950 on were pulled from rolls at the Casino, and all have my finger print from having to force them in their holes!! Nowadays I try to collect MS coins. I have one set of Lincolns that I am trying to collect in MS, but will realistically have a few in VF/XF, but very few.
My most challenging collection, and the one that is the most fun, is my
Jefferson nickel set. I am trying to assemble a full step collection. I know it may be impossible, but it is a lot of fun! I was assembling an XF set of Mercs, but with all the coins from the scrappers these days I am well on my way to an MS set.....all but the 16 d. THAT one will be a VG and done with!