Do you have a standard of living you want to upkeep without having to work around your pile of stuff?
Do you consider some items not of good enough quality to be owned and maintained by you?
Do you not want to see the world burn and the source of your collection to fail so you can’t collect anymore?
Congrats you have standards and can collect away.
Yeah… That sounds like neither a collection nor a hoard but just a…
Pile of stuff.
Only you can prevent your pile of stuff from becoming a hoard, keep on subdividing those piles.