When you get into GNDs and NDs they're so much cheaper to make that getting them ONCE as a panel saves you money.
The trouble with the panel ND's though is that 2 out of the 3 most common variations (the 1 and 2 stops) are virtually useless so all you can get is the 3 stop or the venerable Big Stopper (only available from Lee... if you have the patience) which doesn't give you a lot to choose from.
If only they'd at least do a 6 stop as well instead of making us stack two 3 stop filters while you may want to use a GND and polarizer as well. That's getting pretty crowded in that holder. 
Because I already owned a B+W 10 stop ND, and I'm not willing to go the Vari-ND route, I've ordered a B+W 3 and 6 stop to complement my set. Depending on the focal length (and subsequent risk of vignetting) I'll either attach the Lee holder to the ND, or handhold my GND's.

But yes, your holder will get crowded.... 
