Here's an idea. What I did for many many years was simply hold all the quarters I thought were MS60 or above and built up quite a large amount of them over time. Then, after a number of years doing so and studying more to try to figure out which coins *might* be valuable or fit into a collection, I then went through those coins and put most into circulation again (you know, doing things like buying groceries or gas or whatever... for quarters, taking 20 or 30 dollars worth to a gas station/mini market or liquor store usually worked, the person at the counter usually was very glad to buy the coins off me so they had more change). This attempt was simply to first dump all the coins I graded myself at MS 60-63, as most of those will possibly never be worth much more in my lifetime. Just a choice I made. After that was done, I kept the others and over the next few years added more, but only trying to keep coins that might be 64 or above. After that, I spent time culling even the 64's for the most part. I don't have very many left, and that is good, because finding high quality MS coins in rolls or circulation should be difficult. The coins first have to be minted in a high quality and survive the first efforts at getting them into circulation and then have to survive X number of times in machines or with handling to not have wear on them still. You can do as you want, but there are very few (relatively) modern coin issues 1965-on that have or should have any real value even at a MS 62-63 that is worth holding on to for the next 50 years even. I think figuring out which ones of those might be the case and focusing on finding/identifying those if you happen to come across them is more productive for time and money (you could instead use some of those quarters, not for buying gas or groceries, but for actually buying a high MS coin soon after it has been issued.... let the 'professionals' (as it were) who like to send in a zillion new coins wanting to get high grades do the dirty work and then just hold on to the coin and watch it appreciate to whatever degree it will. Costs a bit more in $$$ but if done judiciously, it is an avenue to try to do. No guarantees, though. You might pick wrong and just be out more money. Before doing this, you might want to start going to coin shows or the local coin shops and finding out what types of modern coins they currently have in stock in rolls. Many times people just set aside rolls and hold on to those, unopened. These will work their way into the hobby supply at some point. These always have the ability do dilute or erase any gains a person thinks they have with a high MS coin. And if you are the one holding the rolls hoping that they will be of value in the future, you may realize later on that the value you had basically stagnated with inflation and you 'lost' money holding on to them.
You know this is how I taught myself grading and what is a variety and what isn't. It is still how I go thru my pocket change. Laid out on a soft surface under a fluorescent light. It is easy to tell which ones have been circulated even in the slightest. Above that it is dependent on Contact marks (bag marks) Luster and Eye appeal.