I do try to see others point of view, and would agree that there would
be some "S" mint quarters make their way into circulation. Like NIFC or proof coins. And collectors may search for them while roll hunting.
Thinking that way, if that is the plan, and they will keep them because they
will have some value. Why not spend the dollar or two for a really nice
UNC example now?
The NIFC or proof coins I see being pulled from circulation I see are
most times .. less then BU or are impaired proof.
I understand some collectors like to put together modern sets because
they can pull coins from circulation. And there is nothing wrong with that.
For me .. I spend a lot of time in coin shops and talk to a lot of collectors.
Most of them will tell me they hope to put collections together that will
increase in value in the future. The chances of that happening by putting together
circulated coins may take a few generations .. or more.
Modern vs classic coins .. When doing modern coin sets a collector has the opportunity to put together high grade sets at a reasonable price. Classic coins sets are much harder, to find the coins, and expensive to put together.
There is also the argument that classic coins are a more beautiful coin. If there are coins in the future, I wonder how bad coins will look then, compared to the coins that are in circulation now. If president dollar reverses are a example .. it could really hurt coin collecting.
Everything in my 40+ years of collecting tells me there is a lot of upside to putting away a few "S" mint
ATB Quarters.