Everyone repeats “check comps,” but most people do it wrong. One screenshot or a single lucky sale is not a comp, it is just a datapoint. Real comp work means looking at multiple verified sales and finding the pattern, not the exception.
Once you have a cluster of recent sales that match the exact card, remove the extreme high and extreme low, then average or “center” what remains. That midpoint is the truest reflection of current value, because it represents what the market repeatedly and willingly paid.
Accurate comp work gives you confidence and protects your budget. When you know the real range, you are not guessing and you are not relying on someone else’s claim. Comps done correctly replace emotion with evidence and give you a fair, repeatable foundation for every buying decision.
Not every purchase is about squeezing the last dollar of equity. If a card is for your PC, if it rarely surfaces, or if it means something to you personally, paying at or even above comps is not “overpaying,” it is just the cost of owning something you genuinely want. A comp is a reference point, not a rule. Value and enjoyment are allowed to be two separate things in this hobby.