I listed most of my cards as Lightly Played.  In reality, they're mostly NM or close to it, but I know some people have funny expectations of what NM means.

Language matters. The only exception is I'll probably take Korean where I have Japanese listed. Everything else I only want exactly what I have listed. If it's not on my list I don't want it.

I insure anything around $20+. Anything less and it's up to you.