Sounds like 1/3 might be right....but remember, it's worth what "someone else" will pay. It constantly amazes me what people will pay for a chip one week versus the next week! I'd have the chip insured for what you feel it would cost to replace it.
Please don't worry about what a few "poopie pants" members may say about your collection. I have several chips that have cigarette burns, etc on them - and I love them. I only wish they could talk and tell me the wonderful stories that must be behind them!
Collect what YOU like and welcome to the club!