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Welcome to the forum Jowens,
I think that Mercury Dimes are one of the best series for beginners to collect. Essentially, you can split the series in half: 1916-1931 & 1934-1945. The second half is easily obtainable for every issue with the exception of the overdate. If you start collecting these coins first you will be able to learn how to grade the series at a minimum of cost. In addition, because these coins are so common, they will probably not change in value as much as the early Mercury Dimes.
In order to answer your question about whether or not to collect certified coins, we would need to know what kind of collection you are interested in assembling. If you are thinking about a full band uncirculated set, you would definitely want to stick with PCGS & NGC graded coins until you have the requisite knowledge to both avoid problem coins and grade the series accurately. FYI, you can get most of the coins in the 1934-1945 half in MS65 FB for less than $50 per coin.
Let us know what you decide!
Paul
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