Advice On Which 65-98 Clad Washington Quarters To Keep.

Mods: if this would be better in coin roll hunting, please move.

I did a search on CCF, and found advice saying some keep AU, some even as low as EF for some dates.

Could someone post some images or at least description of what an EF clad 65-98 Washington worth keeping would look like. I know that some of you might say that is too low, but if you perhaps are doing this please offer some guidance of where you draw the line between a keeper and a spender.

Thank you in advance