Not off base. I have collected Mosins for 20 years. At my height, I had 40 Mosins, mostly Finns. I sold the collection off a few years back. And mine was paltry compared to the deep pocket collectors.
As to prices, did you forget shipping? $180 ($179.90 if you like) for a bottom line 91/30 with round receiver, tack on shipping and you have a $200+ rifle right there. There are NO lower grade 91/30s for less than that and your Classic price also tacks on $20 shipping. I'm WAY off with that one??? Not at all. Those $89 each cost more than $89 each with shipping if you have a C&R. Without a C&R tack on another $20 for transfer fee. So, it easily becomes a $140 rifle and most of the T53's are mismatched and already rated far lower to collectors as a result compared to matching.
$250
http://www.southernohiogun.com/longguns/c-r-longguns/russian-m1944-carbines-7-62x54-cal.html
$179.90
http://www.southernohiogun.com/longguns/c-r-longguns/russian-mn91-30-762x54.html
As to your cheap Mosins, the only thing left in that category are the rode hard, put away wet, carved on, mostly non-matching mix-master Albanian reject Chinese T53's.
$99.90 will get you a road hard without cleaning rod Type 53. And even then, you have to pay shipping.
But let's talk refinishing. DIY or professional? Professional refinishing jobs easily run $200 or more. Take a $400 Glock. Not many pay $600-$700 for one that has a refinished slide.
Let's talk recouping value. Your $89 plus $20 so really $109 but today would cost $120 mix-master unmatched bolt Albanian surplus carbine with refinished stock can be sold for how much? Sell one and tell us what you got.
And what is common? Do you REALLY know? 15 years ago, M39's cost $79 each and were dismissed as common. They now command more than $300 each. Refinished ones languish, though, as collectors ignore them. They are termed "shooters" now and valued only in their ability to shoot, which takes a significant discount over the value as a collector.
In the end, those $200 plus refurbs are viewed as refurbished (even if arsenal). Take a ratty-looking Spanish Civil War Mosin that isn't refinished and it will be twice as high. Or, more to the point, the arsenal job is half. Find an original condition Mosin (or Enfield) and compare that with one refinished.
Recently, a Mosin sold on Gunboards, a common Izhevsk, that had Egyptian markings painted on the stock for $330 shipped. Had that stock been refinished, how much would it have sold for?
Not off base at all.