I completely agree.
I've been collecting 12 years so far, and for "holy grails" of 32X are well out of my reach as I cannot justify the price. If a collector was to sell-out and offer me their whole collection for the right price and it made sense, sure, but individual purchase - no way, I've settled on reproductions for those three games (T-Mek, Darxide, Primal Rage) because the $3000-$5000 people were asking last I looked just wasn't worth it for me.
It does mean having some shit games, but I try to get the shit games for nil cost, I absolutely loathe paying for sports games so these are last on the list or only where I can pick them up essentially for free (eg. bulk lots).
I'm happy pursuing "completion" because it's not a 5 year project for me, it's a lifelong project, there's other priorities. Maybe I do complete it before I die, or maybe I don't, either way the journey to get there will be fun and interesting and enjoyable. I try make an effort now to play every game I buy before it goes on the shelf.
I'd like ot finish off N64 and MegaCD next. I need 6 titles on N64, and about 20 on MegaCD. MegaCD was possible because a collector sold out and did me a solid deal on a bunch of rare titles as a result, Smurfs, Syndicate etc. If it wasn't for that happening, it would probably be at the back of list. After that will be SMS/DC and GameCube, but that won't happen for many years and I'm happy to wait for something to pop up for the right price.