As point allocations seem to be completely arbitrary

Folks,

Just did a minor upgrade to my primary 20th century type set by substituting a PF69 silver Clad 1976 Quarter for a MS66 of the same type. Here's where it gets confusing for me.

VALUE

MS66 1976 Quarter - 22.50

PF69 1976 quarter - 18.75 (NOT A CAMEO OR ULTRA CAMEO)

POINT VALUE

MS66 1976 Quarter - 59

PF69 1976 quarter - 237

I have managed to upgrade the point total of my set by substituting a non-cameo proof for a MS coin, with higher market value. This just seems wrong to me and I can't help but feel it is almost like cheating. I still maintain that all point values should be based on three factors.

a. Rarity

b. Grade

c. Market Value

No one factor tells the whole story of a coin, you must have all 3 factors to assign a logical point total for the coin.

Rant Over, thank you for your time and patience.

Later,

Malcolm

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