Welcome indeed springcypress to the wonderful world of classic USA silver commemorative!
Truly ... this set of coins IMHO provides the greatest variety, coinage art and history of any specific USA set that can be assembled.
To your specific question on that E-Pray Stone Mountain ... the damage (scratches) on the obverse would turn me off ... although the $28 price is in line with what to expect for this commonly occurring circulated condition coin.
I actually have two honestly circulated Stone Mountain duplicates ... both problem free ... one FR-02 and one VG-08 ... purchased both for a little bit more than the E-Pray example you show ... so my honest advise is to hold out for a non-damaged coin.
All that said ... I am now going to hopefully add a reality check to you quest for the circulated set ... take this from a collector who has been at the same quest for over 2 years now ...
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I've really become fascinated by the early half commemeratives. So much so that I think I've decided to start a set of circulated ones
Exceptional news! Welcome any and all who wish to join our lonely commemorative pages ... and I promise to do whatever I can to comment on your acquisitions and offer any learning's from my experience.
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I think my goal is going to be to not have any coin grade better than VG. AG coins would receive precedence.
Bummer ... that is an impossible goal. It can not be achieved as many of these coins just did not circulate.
We are not talking here about issued-for-circulation coins ... the coins in this set were sold to collectors who tended to ... well ... collect them.
Need proof ... log into the PCGS Registry Set and find the "Low Ball" #1 All-Time circulated classic USA silver commemorative set ... you will find the current champ has 8 of 50 coins graded VF35 or better ... and 3 coins AU53 or better.
Achieving a complete 50 coin circulated type set at VG or lower will not happen ... sorry.
However ... there is no reason you can not enjoy the set with a mixture of well circulated and perhaps AU coins ... cost is for sure lower than say a complete MS64 set ... and IMHO these circulated coins contain so much more character.
Do check out my updated post on the status of my circulated commemorative set ... it's in this same forum a few pages down.
Let me know if I can help in any way ...
David
Take a look at my other hobby ...
http://www.jk-dk.art