I'd rather buy a raw coin at a lower grade estimate and risk being pleasantly surprised than buy a raw coin at a higher grade estimate and risk being unhappily disappointed. It is simply a matter of risk tolerance. Therefore, I tend to grade conservatively, since I'm risk-averse when it comes to purchasing raw coins.
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ANA - EAC - TNA - SSDC - CCT #890
"Most of the things worth doing in the world had been declared impossible before they were done." -- Louis D. Brandeis