You have to be careful breaking up sets to fill albums. Some more recent US Mint sets (2005 through 2010) have coins with a "satin finish". If you are putting together a set representing circulation coins these satin finished coins will be out of place. Or, at least, will not represent what you are attempting to present.
You do what you want or need to do. I got a private message from someone on here letting me know how bad it was to be cutting up mint sets to sell on ebay. If I can buy a 1987 mint set at my club for $2.50 then why is it not acceptable to cut it up and let everyone else who needs one buy it from me OR use it for my own set? It's not. They will be around for the foreseeable future and when you are paying $100 for a 1987 mint set then I would start worrying about cutting one up or separating it from their brethren. Until then, do what is best for you!
Personally, I would advise against breaking up sets unless you are planning to have them graded. Even then, the idea is not too advised. A great example of this is the Silver State quarter sets from 1999 to 2008. While breaking them up was a great idea to have them graded and possibly be worth more in this sense, the sets are now "extreme scarce" and while not properly valued through Grey sheets or other publications, there are becoming Very Rare. Consider the 1999 Silver set had a mintage of 804,565 and as of last speculation ONLY 18% (144,821) are suspected as being actual OGP and complete and the Quarter set is possibly lower than that. Although some state these sets are ONLY valued at $115, my sources show auctions prices of just the Quarter sets are topping nearly $125 in OGP. Judge for yourself now.
Older family members used to meet them at the family reunions in Michigan. I've never been to that reunion.