IMO thats alot to pay for any modern coin that yet remains to be realized on the market. Who knows how many grandparents have those sets put away for the grandkids with that very same coin in it?
Of all collectibles I know of, only coins and fine art were not hit by the recession. I believe they are considered the "safe haven" of the colletible world, so I don't think things will change much when the economy is "full recovered." Baseball cards and classic cars have taken huge hits, for example. I know a guy (he's loaded), who's been on a car-buying spree the last couple of years, snagging MOPARs which were once $120k cars for $30-40k, just waiting for the turnaround.
And the population for NGC and PCGS together is much lower. My findings say 87 for PCGS and 181 for NGC.
You appear to be looking at the clad quarters in stead of the silver ones. I assure you that the silver ones are 311/53.