i'll address each of the five choices.
i only have LWCs, not LMCs or LSCs. most modern-era coins I cannot get into. I can get into LWCs, tho. I'm trying to complete the uncompleted base set that was handed to me when my grandpa J passed.
while it is true enough that I have never owned an 09-S VDB, I have never been in the position to seriously go after one until just recently. I can certainly justify the cost, but the cost isn't what's held me back from having one. I could have certainly saved up enough cash for one at anytime, but i'd want it to go along with all the rest of the wheat cents in some kind of set or collection rather than just have that one coin. so, after over a year and a half of assembling a LWC
set (at this point just the very basic set) I'm needing just the 09-S, 09-S VDB and 14-D. i'll get them eventually, I'm not in a rush. not sure in which order they will be acquired.
i am not at all concerned about acquiring a fake.
i have no spouse, so I'm not encumbered by the opinion of significant other. however, that being said, as long as my cat is okay I am free to spend at will.
i consider it highly unlikely that I would find one in a coin roll, in pocket change or on the ground. not impossible, just highly unlikely.
truth is I have no idea when i'll acquire it, what condition it will be, how much i'll pay or where it'll come from, but i'll have to find one if I want to finish a base set. I've been looking at them, I see the prices & conditions. I study them. I've passed up numerous 09-S VDBs because I've seen too many of them (between the grades VG-XF) overpriced. I've been seeing plenty of them that deserved a details grade & are priced too high. if I'm going to buy this coin, even at a low grade the coin cannot have any major problems. if I see one that sits around the VG grade but has a big ding on it, I'm not paying $700 for it. the rubbing-down of devices on the coin over time- which is just plain old wear- is fine, I can handle that, and I could most likely handle whatever patina the coin turns out, but I cannot handle a nasty-looking coin (dings, scratches, crud, spots, corrosion) and I just will not pay for a cruddy coin. I will wait til I see something better. most of the time, however, I am not financially ready to drop the cash on it when I find a decent one. I've watched a good many of those go by, too. I'm not worried, though. I'm not in a rush. they'll come to me when it's time.