As a followup, I always wondered how brand-new proof coins end up in circulation, especially dollar coins. Turns out that many dealers will do bulk submissions in the hopes of an MS70. Any 69s or less are not worth their time and inventory, so when they get them back they actually cut their losses, crack them out, and use them in small change. Insane to think about.
I have the 1984 Olympic Prestige set too, and the dollar Olympic commemorative coin is 90% silver, hence it's deep/ultra cameo frosty appearance.
With the price I paid (just over spot), I'm not concerned. I would like to see what it develops into over time.
There was no 1985 set because there was no commemorative dollar that year. I believe the only set that included the commemorative half dollar as well was the 1993 and that was probably because that is the only year the commemorative half was 90% silver (Bill of Rights).
86 and 92 have the clad half. 87 and 90 do not have the commemorative half. 92 has the silver half. Those are the ones I have to check.
I don't know why, but I like them too, I have a dozen or so already I picked up cheap years ago on the secondary market, but tonight I picked up 5 more on eBay because it seemed like the right thing to do and the price was right (less than $140 with shipping for all 5 - 1983, 1984, 1986, 1987 and 1991 in original packaging with original outer boxes and COAs. I know they're worth more broken up but I don't have the heart to do it. They're kind of neat as they are. I'd like to have a special display for them.