It depends on what your purpose is and your value set. The almost exclusive use for my firearms is for fighting; anything inconsistent with that borders on inane. If you are looking for a working gun for serious use, and might do some special things to it to make it work better for you, why start with a collector grade example? There have been plenty of posts on this forum in which someone with a collector mindset grouses about custom touches added 80 years ago by a shooter who needed the tool to work in a certain way for them. 80 years ago, that cop, or rural dweller, or whomever, needed that revolver to survive. I'm not above doing such things to my firearms, because they are tools. Starting with something that does not attract collectors makes it less imprudent. My M58 has been customized for me as a tool - there are probably members who would advocate flogging me for how it is set up, and I am sure the net value to most is far less than what I have in it, but it is a serious gun that I would carry on duty again in some circumstances. The finish is more appropriate for that use, and I can actually see the front sight.
I won't be the guy who owns a matched set of K22/K32/K38, because that serves no purpose for me. (But my shooter grade K38 is just plain fun to shoot and makes me look good.) I cringe every time I see the phrase "wrong grips", because the "right grips" are the ones that work for the purpose. I have one revolver with wood grips; every other one (including good quality custom grips), they were heinous for shooting and they got pitched ASAP. (Oh, to have known I could have sold the grips from the M58, wherever they ended up, to someone 35 years later.) I have a j frame being customized because it is not as functional as it should be for my needs - most of the time as a BUG.
To apply a phrase to a different setting: circumstances dictate tactics. I admit that a 5" M27 would likely not be tweaked much, but I also admit that the money for one is ill-spent for my needs.