Compared to many on this page I am quite a small time collector not having a large disposable income. However my collection is still quite extensive. I collect raw coinage like thousands of other collectors and house them in capsules. I take care when handling my coins and have learned to recognise grade and eye appeal. I enjoy other peoples input and help with my collecting and am learning continuously, as I am sure I will till I stop collecting or more than likely pass on to my kids.
Surely most collectors still collect this way. I enjoyed using the population reports and the information on the CGS website but think the work ethic they have shown, and to me, the disrespect shown toward their customers in the way they have underhandedly pulled the rug out from everyone. LC and CGS were and still are the same people. The fee is in my opinion a ransom to previous customers and a block to many who would have thought of slabbing in the future.
I will repeat what has been said above, it is everyone's decision how to spend their money. I just know that £99 to me is a major sum. I don't have to be reassured about grading as feel reasonably confident am happy collecting the old fashioned/ more common way. If I need a second opinion I am also happy to ask others. I certainly can't see how buying raw coinage is harder than encased ones. Except for the inflated prices that often come along with the plastic. Its about buying the coin not what its in.
If the worry is dropping them place them in well designed capsules such as Quadrums. Many of the new generation capsules also have anti toning and Verde guarantees. So win win.
Just my opinion