I actually wanted to post about this before, but the recent FLGS post where we were talking about our budget made me really want to ask about it.
I, for the first time ever, just ordered a wooden insert for Clans of Caledonia. Normally I don't mind plastic bagging it but that game is an organizational hot mess.
It had me wondering what other people do? As much as I'd love metal coins for Scythe (and upgraded resources) and Viticulture I always see the price and think, that is all money that could go to another game. And while inserts seem really nice, I find most games pack up easily enough with what they already have.
Sleeving for me is an easy skip, not only because of cost. I love the look (I know you can get clear sleeves), but also the feel of the quality of work the designers put into making cards and I just don't want to cover it up. I know this opens it up to get damaged but my group and I just make sure we take good care when playing games.
Where do others stand? Get it all? Maybe a few things if it's a favorite game? Only if it's absolutely necessary (I need to save my cash for new games)?