There are four levels of value for collectables. The lowest being probate. (if you died and your assets were valued as part of your estate). The next being auction value. (Being if you were short of a buck and needed quick cash). Then retail (If you wanted it and was prepared to pay what was asked) and lastly insurance. (Agreed replacement value it you got robbed or suffered some unfortunate mishap like an earthquake that destroyed your treasures. Usually top dollar). All rubbery and depending on circumstance. Where would the filth treasures fit in?