I always take more than 10% off for cracked stocks, so your LC Smith example is not a good one to use. Is a $900.00 Smith a shooter or more of a semi-collectable gun in that price range? Shooter Smiths that I have seen have been more in the $500-600.00 range so 10% plus or minus is no big deal.
If you are buying a gun as a collector item then do not buy mismatched parts in guns. Get them whole and original or you will never be happy. A few dollars off will never make it right in your mind. If you are buying guns to use as shooters then get past the notion that they must be as they left the factory. If I was buying a used pickup truck I would not worry if the rear bumper had been replaced as long as it was the proper type with good fit and function. Now if I was buying a rare car or high priced collectors car I would be much picker.
