Rich -
This is a discussion we hash and rehash at the club.
It is certainly a personal decision. I for one, have passed through the phase of wanting to collect "pristine guns" just to have them. I believe I have swung all way to the other side as I now look at 90+% guns "as too nice to own" - Aka... what would I do with it if I bought it? Cant hunt with it....lose big money if I scratch it......not a good fit for me.
Others in our group have opposite outlook - 90%+ no problem.....lets take it out and hunt it. Only live once!
I am a bit jealous of those guys.....