I would have to respectfully disagree as well, but only to a certain extent. Unfortunately, when someone suggests buying the highest "grade", this usually ends up being whatever the TPG assigned, and the fact is that a label with a higher number doesn't automatically mean the coin is of a higher quality than one with a lower number attached. This is why I've long suggested one buy the highest quality they can afford, especially considering the fact that when the time comes to part with it, quality coins often sell themselves.
I would say no on the 95 DDO. It's nothing special, can't really see it without magnification. And it's a zinc cent, worthless with that extremely minor, barely noticeable variation.
Well I think so because it is a semi common DDO that can be a stepping stone into advanced errors and varieties
I say look in your coin shop's junk silver bin for decent Rosies, then try to complete a set of those. I'm actually interested in getting a Dansco so I can try a "melt value set" (best set possible, all coins must be bought for around melt price). If that doesn't interest you, try something else! Maybe you're a future expert in George II halfpennies. Who knows?
When you think about collecting varieties and paying a premium for them, you will probably realize that you would be paying a premium for a coin that was embossed in a slightly different way, usually only visible under magnification. This is how I feel about key dates, so I just can never justify paying up for them. There is not enough difference to justify the price increase. Errors are very nice, but stay away from spectacular errors that almost have to be mint-assisted. The TPGs do the hobby a misservice by certifying them.
Speaking of George II halfpennies, I know that this is the US forum, but maybe check out other countries as well. I found myself stuck to UK coins like a magnet.