I've got like 30-40 long-term PC holds that are sitting raw, just waiting until something smooths the grading game out. Not too concerned how long it takes.
I'm not in a rush since they're not for a flip, but I eventually want them all graded so I can easily sell them when the time comes for the most $$$.
Everything else I'm just selling raw as I can for raw prices, simply for liquidity and to get them off my hands. My aim is to reduce the size of my collection (currently 280-ish cards in total, I want to eventually have it down to around 50) - I've been doing this for a few years (down from like 1000 cards) and consolidating into bigger PC items and smaller set chases. Basically anything that I can't see myself being willing to pay $75 - $100 each to grade for the long-term is being sold raw for what it gets.
In terms of buying graded right now, if there's a card from a set I'm collecting that's already graded, I factor the grading cost into my budget, but I'll only pay an extra $30 or so AUD for it - and NEVER unnumbered base cards.