The pack-in is worth less overall, but who knows what the average price of the lone discs would average out to. Crooked sellers like to sell the pack-in with a photo of the closed jewel case with a manual as "complete", without making the distinction that it's the pack-in or what that entails.
The pack-in has a different label on the disc and came in an empty jewel case. The same manual as the retail copy was included.
The retail version has an outer cardboard box, english manual (+sometimes a french one), insert in the jewel case, regular style CD2 label, styrofoam spacer and sometimes a map.