In fact, the question is always the same, what are we collecting and why. I have heard that people on the Board have bought more than 50 to 100 swords (and believe me, I am not exagerating, I know one of them), some began their collection 30/40 years ago. Owning for owning, buying for buying, some used there swords to upgrade their collection in getting a good profit ... some keep them in bulk, unpolished, rusted. I had at most ten blades, then I decided - years ago to sell eveything in order to get only 5 katanas representing more or less the gokkaden. Then I have changed my mind, I am selling all my swords but one which is Juyo level and with that money I shall buy a Juyo one and I shall stop. Two swords are enough. I shall keep nevertheless my Kanetomo tanto which is very good and has a splendid polish. I already sold my Tsunahiro hitatsura katana.
People are driven by different motives. I agree wholeheartidely which what has been said by Rich and Barry, whatever your wealth, by waiting you can get a lot of fine piece of arts even if tiny. Only the craft matter, not the mei (even if it is a plus). To educate yourself, you need to see hundreds of fine peice of arts, try to analyze them, then you won't have to ask to anyone, when you buy something is it good or not, you will know for sure. Barry, Curran, Rich, Giuseppe, Ford, Paul , Eric ...and a lot of seasonned collectors never asked : is it good or not.
Rule of thumb : 1st, be able to distinguish what is craftsmanship (good of course :D :D ), that is what collecting art is all about ...