Congratulation

On completing your set.
Sounds like you have a nice higher grade set of coins.
My opinion on some of your questions.
Should you go with a album that has dates 1932 through 1998.
I would vote for yes. You are so close now. Most of the
coins you would have to get, to take you to 1998 are not that expensive.
The 1992 - 1998 silver proofs will have the most
cost, but no where near what the 1930's quarters costs.
You mentioned "proof only issues" That means the album
manufacturer provide a port/hole for coins that
were only issued as a proof for that year.
For example, in 1973 the San Francisco mint "only"
made a 1973 S proof quarter. They did not make both
a business strike and proof. So the port/hole in your album
1973 S is for the proof coin.
But in 1964, Philadelphia mint made both a business strike
and a proof 1964 quarter. They leave it to the collector
to decide if a business strike or the proof will go into
the one port/hole provided.
As for should you break the coins out of the slabs.
I have done both. I broke a $10.00 MS 63 gold Indian
and put it in my type set.
But for my 1909S vdb, I put another coin in the spot and
labeled it.
