Howdy Richard01 - Welcome to the Forum !!
I do understand your comments & concerns. Here at Coin Talk there is room for everyone - beginner & experienced collectors alike. There is no such thing as a forum that will please everybody - that's why there are so many of them. I explain it as chocolate & vanilla.
And there are those who will say the rules are too strict - and still others who think they are not strict enough. Personal attacks are not tolerated, but there is still plenty of spirited debate and good honest discussions. It would probably be a good idea to familiarize yourself with the Forum rules.
I would like to comment on something you said though -
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Yet, there are many who would say 'you don't belong here' because somehow, you should not buy, or sell any coin of value until you 'truly' understand its value.
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The first part of that sentence does not and will not apply here. But the second part - "you should not buy, or sell any coin of value until you 'truly' understand its value." Now that I agree with wholeheartedly, perhaps for a different reason though. But I would phrase a bit differently. You see I believe it is foolish to spend significant amounts of money on something you don't understand. So I believe the knowledge should come first - before spending the money. And how you define a "significant amount" will vary from person to person depending on their means. To some $50 may be a lot - to others it may be $1000. Either way - the importance is the same.
For if you don't understand or are not knowledgeable about the item you are buying - you stand a pretty good chance of making an unwise decision. That goes for everything in life, not just coins. And that's why I feel the way I do - I hate to see people taken advantage of.