Why do you want a gold coin? Is it because you want a coin that will act as a store of wealth? Because you find those two coin designs beautiful to view? Just want to be part of the club? I ask these questions because the answer will answer your question.
If you are just considering this as a store of wealth then a details coin as close to spot as possible is one way to go. Just a couple of considerations, 2 1/2 Indians are some of the most counterfeited US coins, buying raw can be a real minefield. As the price of gold has spiked over the past few years it will be very tough to buy gold coins, unless very damaged, anywhere near spot, you will be paying some premium even for details coins. The risk here is that you may have to discount the price when you want/need to sell, which will negate the whole purpose of a store of wealth. You would do better to put that money to work in a safe investment that pays dividends and use those dividends to purchase a problem free gold coin in the future.
If you are wanting one because you like to view the design then a details coin is not a very good option as you will be viewing a problem coin which is likely to not be pretty to look at in one way or another. The same is true if you just want to be part of the club, many collectors may not say what they really think when shown a problem coin so as not to hurt your feelings, but they will be thinking it. I would echo @Oldhoopster and say save until you can afford a nice problem free example, problem coins are always a problem when it comes time to sell.