Either one or both works.
Mine is completing the Pokedex in the original Pokemon games. All you get is just Professor Oak giving you a wink and a small few second cut scene. And a congratulations text. Imagine spending all of your time then, getting all 151 and even 252 pokemon just for that? Yeah no thanks, I never completed the pokedex.
Going the Joja-Route in Stardew Valley. I say this mainly because, it is what you make of it. You forfeit being able to complete the Community Center by earning things, when you sign your soul away to Joja. What I would’ve liked is seeing Pierre go out of business completely. I just think that would add a route of depth in the game where you have to make ends meet through Joja because Pierre is permanently closed.
But, that doesn’t happen, he’ll still be in business despite his depression about Joja running things. Kindof ruins the whole concept of doing it for the achievements even.
If the collectibles aren’t satisfying to obtain on their own, I don’t think putting an unlock behind them makes them retroactively better.
A good collectible is something like Strawberries in Celeste, each one requires you to take a more difficult path or do an additional screen. They’re fun to go for, and I think it actually would’ve detracted if some unlock made them feel like a required task rather than a bonus challenge.