Anyone sticking with Silver Eagles for IRA despite premiums?

• •I've been thinking a lot about the silver allocation in my Gold IRA lately, specifically the whole Silver Eagle vs.
• •generic rounds debate.
• •I've always leaned heavily into the Eagles for the IRA, just for peace of mind, frankly.

I've been thinking a lot about the silver allocation in my Gold IRA lately, specifically the whole Silver Eagle vs. generic rounds debate. I've always leaned heavily into the Eagles for the IRA, just for peace of mind, frankly. The thought of potential issues down the line with less recognized generic rounds for an IRA distribution just always made me nervous, even if it's statistically a low risk. I'm sitting on a decent chunk of physical gold in a Class III vault here in Greenwich, but my silver's all tucked away in the IRA with a custodian.

The premiums on Eagles, though… they're a killer. I mean, we're talking a significant percentage over spot, and it just keeps widening. For my personal stack outside the IRA, I'm absolutely taking advantage of private sales and lower premium rounds whenever I can. But for the IRA, where I’ve got north of $750k in precious metals, mostly inherited and topped up over the years from bonus payouts, I just haven't been able to pull the trigger on anything generic. My concern is always the liquidation down the road. Will a generic round be as smoothly recognized and valued by an IRA custodian or refinery when it's time to take distributions in 15-20 years?

I've run the numbers a few times with a Gold IRA Calculator (the one at https://calculator.goldirablueprint.com/ is pretty solid for estimating future values), and even with the premium hit, the long-term appreciation of silver should still make it a worthwhile allocation. Still, that premium just feels like wasted capital. Am I overthinking the generic round risk for an IRA? Are there any of you in similar boats who made the switch to generics in your IRA without issues?

My fund has also been looking at some mining equities as a way to get leveraged exposure, but for the actual physical hold within the IRA, I prefer the direct metal. What's everyone else in this forum doing? Anyone out there confidently holding generic silver in their IRA and can reassure me that it's a non-issue?