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Message:: [QUOTE="Moen1305, post: 230271, member: 2544"]I have to agree with everybody else here, a set is what you want it to be.  I like all the P's, D's, and S's in my sets but some only collect all the P's and D's and that is just fine.  My problem is whether to add the SMS coins.  It just seems like they are the ones that are going to be worth much more in the future because of their low mintages and current high prices.  My albums don't have a spot for them so I figure as I collect them, I'll put them in airtites.  You're right about the rosies though, the earlier proofs are spendy.  I put together 3 complete sets last year and never want to look at another dime.  I sort of wish they'd change that design or sharpen it up a bit.  They are tough to look at for very long.  I collected a bunch of extra 1996W's because they will be needed by other collectors in the future and I want to have them.  I pick up one every now and then and stash it away.  I even asked one company if they'd give me a discount if I ordered a 100 of them.  I think they got suspicious and refused the discount.  Oh well. I think the term "complete set" is taken too literally.  You should collect what you enjoy collecting and consider a complete set whatever you want to consider it.[/QUOTE]