It really depends on the coin if I can get a nice looking example for the cost of a Grade under PCGS or NGC. I may bite . I have a few really nice Morgan's that are graded correctly . I have a really nice 1886 O VAM 1a graded Au-58 it is probably AU-55 but I paid 53 money I have a 1882 O over S graded AU-58 that is really a details coin or heavily bag marked so should down grade at the minimum . It's VAM 5 on the label but really it's a VAM 3 Eds and I paid 43.00 for it so it's worth more than that even details. ANACS is the most consistent. PCGS and NGC cost to much to grade unless it's a rare coin then it's worth it since they command higher costs . I look for anacs coins when I can for my collection