what should I do?

So, @scott1974, did you decide to go for it?

 

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But the best coin you can afford at the lowest price you can. Personally, I like clean, no problem coins. You said this coin, while rare, is plugged. I would pass and wait for a clean coin. Just set the money aside and add to it as you can. It took me 5 years to get the coin I needed to finish my set but it was worth the wait.

 

I'm thinking not just about the coin you're looking at but the dealer, too.

If this dealer gets what he wants, who wins? Who loses? Who pays?

 

Why did they waste a photo instead of doing a closer up? The photos are arguably misleading. I'd have passed, but I don't need that specific coin. I'll settle for a cheaper date when the time comes.

 

C'mon, you know that Thomas Kinkade scene is vital to evaluating that coin!

In all seriousness though, that is one of the most useless eBay pictures that I've seen.

 

I've acquired a number of "problem" tokens over the years and do not have any regrets. But then, a good portion of what I collect has populations in the single or low double digits, so waiting for another is not always an option for me.